چکیده:
Since the emergence of electronic banking in Iran is a relatively new matter, dealing with customer resistance to accepting this technology is of high importance. Saman Bank, as the first bank providing electronic services, must strive to be at the forefront in this field and to be a pioneer in the acceptance of electronic banking tools by customers; Therefore, it should identify the effective factors earlier than others, focusing on its customers, and remove the barriers to acceptance. The purpose of this article is to identify the factors affecting the acceptance of electronic banking tools by customers of Saman Bank. For this purpose, using existing models in the literature, variables and potential factors influencing acceptance have been investigated, and a questionnaire has been designed. Data analysis is based on descriptive statistics and structural equation modeling and using SPSS and LISREL software. The results show that the factors of usefulness, compatibility, ease of use, and facilitating conditions have a significant impact on the acceptance of all four electronic banking tools, namely bank card, phone banking, internet banking, and mobile banking. Also, the risk-taking factor has a significant impact on the acceptance of mobile banking and has a slight impact on the acceptance of bank cards compared to internet banking and phone banking, which shows the difference between card and banking tools and new electronic banking tools, namely phone banking, mobile banking, and internet banking.
خلاصه ماشینی:
The results show that factors of usefulness, compatibility, ease of use, and facilitating conditions have a significant impact on the acceptance of all four electronic banking tools, namely bank card, telephone banking, internet banking, and mobile banking.
Thus, the research problem is “Investigating the driving and inhibiting factors and the impact of different aspects of them on the acceptance of four electronic banking tools (bank card (ATM, POS), telephone banking, internet banking, and mobile banking) by customers.
Lee and colleagues [19] investigated the effect of trust on mobile banking and added perceived risk (in the form of the TAM model) to the factors under investigation.
They combined the TAM model with trust and, in addition, investigated the effect of factors such as (social influence, service quality, self-efficacy, facilitating conditions, familiarity with the bank, structural guarantee, and normality of the situation) on three factors of trust, ease of use, and usefulness.
Lee and Chang [18] used the Delone and McLean model (Information Systems Success Model) to investigate the factors influencing trust and satisfaction of mobile banking users in Korea.
Summary of information on articles presented in the field of electronic banking acceptance Method Year Country Location Authors Topic Variables and Relationships Journal Analysis Print Study Data International SSh. aLo,iaHo,.
2001 IB Turkey Fast access, saving Journal of Bank EFA, CA Marketing Ekin Cost and time Electronic IBnogmoiol SHuahn, 2002 IB South Korea Trust and TAM RCesoemarmcheracned SEM, CFA Applications Usefulness (comfort, MiZcihqiaeLliTaoow 2002 IB Singapore Enjoyable, user-friendly, & Information Regression Management Cheung Security, speed ) IDT and risk + innovation International P.
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