Author/Authors :
Ghane, Mohsen Department of Accounting - School of Management - Accounting, and Economy - Islamic Azad University Yazd Branch, Yazd, Iran , Shahmoradi, Nasim Department of Accounting - School of Management - Accounting, and Economy - Islamic Azad University Yazd Branch, Yazd, Iran , Moein, Mahmoud Department of Accounting - School of Management - Accounting, and Economy - Islamic Azad University Yazd Branch, Yazd, Iran
Abstract :
Introduction: One of the factors affecting the health of the society is economic
factors, and financial literacy and familiarity in the field of electronic banking
can affect the economics of individuals. The purpose of this study was to
investigate the effect of financial literacy of bank customers on the use of
electronic banking and the reduction of traffic accidents.
Methods: This descriptive study was conducted in a researcher-made
questionnaire using Cronbach's alpha = 0.87. The research community was
Yazd banks' customers in 2017. The research sample was determined and 380
people were randomly selected. Data analysis was performed using structural
equation modeling (SEM) with partial least squares (PLS) approach.
Results: Data analysis showed that 73% of the samples were male and 38% of
them were between the ages of 30-39 and 41% had a bachelor's degree. The
value of the path coefficient (beta) of the customers’ financial literacy to the use
of electronic banking is equal to (0.493).
Conclusion: The results indicated a positive and significant impact of financial
literacy and its domains on the use of electronic banking, which can indirectly
reduce traffic and road accidents.
