The reasons of public reluctance to use of Electronic Bank cards(case study:Mellatbank customers)

Subject Areas :

هوشنگ Taghizadeh ^{1 *} , ابراهیم Sepehri ²

1 - دانشیار و عضو هئیت علمی دانشگاه آزاد اسلامی واحد تبریز
2 - کارشناس ارشد مدیریت صنعتی دانشگاه آزاد اسلامی واحد تبریز

Received: 2015-10-04 Accepted : 2015-10-04 Published : 2013-03-21

Keywords: Electronic banking, electronic bank cards, instruction, lack of trust,

Abstract :

The aim of this paper is to investigate the reasons of public reluctance to use of electronic bank cards on the customers of Mellat bank in Tabriz.for this purpose four hypotheses have formulated.the research population includes the all customers of Mellat bank in Tabriz city.the number of 385 people have selected.for sample using the sample calculation formula.A questionair has used for data gathering.the validity has confirmed by face validity and the reliability by Cronbank alpha coefficient.for data analysis Kolmogrov-smirnov and T-test was used.the results shows that lack of knowledge and skill for using electronic bank cards,lack of instruction the process of using these cards,lack of existence of electronic sale system on the majority of shops,institutions and offices,and lack if trust for E-banking among  customers are the major reasons of public reluctance to use of electronic bank cards among the customers of Mellat bank in Tabriz.