Strategic and structural barriers to the development of electronic banking: The case study of Sepah Bank in Isfahan

Technology development along with extensive developments in electronic commerce has not only changed the traditional commerce but also revolutionized communities´ lives. Electronic banking is also no exception since it has been influenced by these developments. These developments; however, have been confronted with challenges and barriers in areas such as cultural, economic and social, strategic and structural field, in every society. In this study, strategic and structural barriers as the main factors influencing the development of electronic banking in Iran will be identified and analyzed. The study was a cross-sectional survey and the sample of the study was 70 employees of Sepah Bank branches in Isfahan. The distributed questionnaire had the reliability of 0.94. The result of the questionnaire´s analysis indicated that customers´ satisfaction, employees´ satisfaction, government benefit and society benefit are the indicators of strategic barriers. Moreover, formality, centralization and complexity are the investigated indicators in structural barriers. All of the above mentioned factors have a meaningful relationship with development of electronic banking.