Abstract:
The purpose of this research is to present a structural equation model for ethical competence in electronic banking. The research is descriptive and conducted through a survey. In the qualitative phase, the statistical population includes professors and experts in the field of electronic banking and also senior managers working in Tejarat Bank. They have been chosen using purposeful sampling technique and the data collection reached saturation after 11 interviews. In the quantitative phase, based on krejcie and Morgan table, among 435 experts in charge of marketing and modern services in Tejart Bank, 205 are chosen by simple random sampling method. The data collection instruments in qualitative phase are the two semi-structured interview and document review approaches. In quantitative phase, samples fill out made-questionnaires. Results suggest that the ethical competence model in electronic banking consists of 3 dimensions (beneficiaries, social responsibility and information technology), 9 major components (employees, shareholders, clients, rivals, ethical responsibility, economical responsibility, voluntary responsibility, legal responsibility and information technology) and 56 minor components.
Machine summary:
Results suggest that the ethical competence model in electronic banking consists of 3 dimensions (beneficiaries, social responsibility and information technology), 9 major components (employees, shareholders, clients, rivals, ethical responsibility, economical responsibility, voluntary responsibility, legal responsibility and information technology) and 56 minor components.
So e-banking raises concerns regarding secret movement toward fictitious transactions, contracts’ deviation, money laundering, loan contracts’ deviation from defined legal procedure and spread of usury, confidentiality and secret-keeping (Bashir and Herati Nik, 2011), data manipulation and financial cheating (Ramezanali, Bahri Sales, Asgar Pakmaram, 2010), error occurrence in financial transactions (Raju, 2014), failure to comply ethical and Islamic principles and etc.
Electronic banking, as one of the new subjects having both technological and financial aspects, is considered as the focus of concerns for attracting observance of ethics principles in the modern times.
3 The Research Model Based on the literature review; this research focuses on conceptual framework of ethical competence in electronic banking and its dimensions and components.
Through systematic research methodology, backed by sound empirical methods, interaction relationships and dependency amongst these factors, in the context of ethical competence in electronic banking is determined.
85 (Anderson & Gerbing, 1988; Cole, 1987; Marsh, Balla & McDonald, 1988) or over 0.
This result demonstrates that the ethical competence in electronic banking model could be established.
Also, based on the results, the main components that should be considered in the electronic banking industry are: employees, customers, shareholders, competitors, economic responsibility, voluntary responsibility, legal responsibility, ethical responsibility and information technology.