بررسي موانع و راهكارهاي توسعه ي بانكداري الكترونيكي در بانكهاي خصوصي كشور

Investigation ofBarriers and Solutions of Electronic Banking Development in the Private Banks ofIran

The main purpose of this research is to identify and investigate the main barriers in the way of e-banking development in private banks of Iran. The research is descriptive in method, survey in execution and applicable in purpose. The statistic al society of the study consists of 410 banking and e-banking experts and top managers of the private banks. The main recognized barriers, on the base of research literature, were cultural-social, legal-juridical, managerial, financial and technical-technological barriers. These barriers are tested at reliability level of 95% using 29 indexes. At last, the first three hypotheses indicating the existence of cultural-social barriers, legaljuridical barriers and managerial barriers in the way of e-banking development in private banks are accepted respectively with the average score of 7.11, 7.03 and 6.67; Whilst the fourth and fifth hypotheses of the research indicating the existence of technicaltechnological barriers with the average score of 5.94 and financial barriers with 5.43 are not accepted.