List of Articles خدمات بانکداری الکترونیک

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  1 - Customer Satisfaction Evaluation about Electronic Banking Services in IRAN
  T. Sadeghi
  Organizations are trying to use Information Technology with some new concepts such as "Business Reprocessing," Downsizing" and "Boundary less Organization" which affect on their performance. In this article, the concepts and different types of E-Banking s More

  Organizations are trying to use Information Technology with some new concepts such as "Business Reprocessing," Downsizing" and "Boundary less Organization" which affect on their performance. In this article, the concepts and different types of E-Banking services are introduced. Then by a comparative study and survey, the crucial factors and the relative criteria regarding Customer Satisfaction in Iran are observed. The main topic investigated in this article is "Customer Satisfaction Measurement," and the results are distinguished according to the responses to questionnaires distributed among a sample of customers in the field of E-Banking in Iran. Manuscript profile
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  2 - The Study on the Consumers' Perceptions of Electronic Banking Services of Keshavarzi Bank in the Southern Regions of Kerman Province
  H. Zolfaghar Dehnavi D. Rashidi
  Banks as financial institutions must meet the expectations and demands of their customers. This is why information technology plays a vital role in facilitating communication with customers through improving the effectiveness and speed of the banking services. This stud More

  Banks as financial institutions must meet the expectations and demands of their customers. This is why information technology plays a vital role in facilitating communication with customers through improving the effectiveness and speed of the banking services. This study examines consumers' perceptions of electronic banking services as one of the indicators of success in order to formulate a number of operational strategies to improve customer satisfaction which increases market share and customer loyalty. The present study focused on the views expressed by experts, consultants and banking professionals and aimed  at  investigating and  designing a  conceptual model by  field research, and applying   student t-test to measure  the relationship between consumers' perceptions of electronic banking services with customer satisfaction,  cost reduction ,safety factor as well as  public information and awareness. Friedman test was then used to rank all these components in terms of customers’ perception. The statistical population consisted of all customers of the Keshavarzi Bank in the southern region of Kerman province 384 bank customers who were using e-banking services in the first three months of 1390 were chosen as samples through simple random sampling method. The data collection tool was a research questionnaire. The study findings showed that the impact of all these components of the proposed model of costumers’ perceptions on the quality of electronic banking services would be significant in the sense that cost component was  ranked the highest and information awareness components were ranked  lowest. Manuscript profile
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  3 - Presenting Customer Behavior Model on Acceptance and Use of E-Banking Services by Developing and Analyzing UTAUT Theory
  Yasaman Modabbernia Hossein Vazifehdust, Mohamad ali Abdolvand
  Nowadays, the banking industry has been forced to change from traditional banking to e-banking due to the developments in information and communication technologies. Therefore, recognizing its needs and behaviors and predicting them to respond in a timely manner can hel More

  Nowadays, the banking industry has been forced to change from traditional banking to e-banking due to the developments in information and communication technologies. Therefore, recognizing its needs and behaviors and predicting them to respond in a timely manner can help strengthen and maintain the customer relationship (to become a competitive advantage). But creating customer acceptance of e-banking services is still a challenge for the banking system (which has a direct impact on the profitability of banking activities). Accordingly, the main purpose of this study is to present a model of customer behavior in the acceptance and use of e-banking services. In this cross-sectional study, first, in the qualitative part of the researchers in an exploratory manner, based on a comprehensive model of technology adoption, the experts tried to identify the factors of technology acceptance and its dimensions. After applying the content analysis technique to identify the dimensions and concepts, the relationships between them and the conceptual model were extracted using Maxqda software. In this section, "trust in the bank", "perceived security", "ease of use" as affecting dimensions of "perceived risk" and "perceived desirability", "impact on society", "prior knowledge " as affecting dimensions. Then, in the quantitative part of the model, it was evaluated using the e-banking customer feedback. The results of structural equation modeling analysis through PLS software showed that among the relationships defined, "knowledge" had the least effect and "perceived utility" had the highest effect on "behavioral intentions". "Perceived risk" was defined as an independent variable in this model. Manuscript profile
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  4 - Explaining the Effectiveness of Factores Affecting the Satisfaction of Small and Medium Companies from Electronic Banking Services from the Perespective of Entrepreneurship.
  Hadi Ghadimi Hossein Vazifehdust vahid reza mirabi
  The present research is an exploratory mixed-method study with a structural-interpretive modeling approach, conducted using a survey method. The qualitative phase data collection tool consisted of semi-structured interviews, and the quantitative phase involved a questio More

  The present research is an exploratory mixed-method study with a structural-interpretive modeling approach, conducted using a survey method. The qualitative phase data collection tool consisted of semi-structured interviews, and the quantitative phase involved a questionnaire developed from the qualitative interviews. The validity of the research tools was confirmed through expert consultation and university professors' feedback, and their reliability was established through a pilot study, resulting in a questionnaire reliability coefficient of r=0.85, indicating high reliability. In the qualitative section, a targeted sample of 12 experts and stakeholders was selected. In the quantitative section, 60 deputy managers, managers, and experts from small and medium-sized companies in the industrial town of Eshtehard Karaj, who were recipients of banking services, especially digital banking, were selected using cluster sampling. By gathering expert opinions in the structural-interpretive modeling method, themes were identified, and the relationships and sequence of factors were transformed into a model of factors affecting the satisfaction of small and medium-sized enterprises (SMEs) with digital banking services. The results showed 122 primary codes, 28 sub-themes, and 12 main components, including high quality of digital banking products and services, sustainability in digital banking development, operational digital banking system, creating a competitive environment, employee training, customer expectations consideration, creating a distinct product and service in digital banking, market-oriented attention and planning, brand value creation in digital banking, legal compliance in digital banking, observance of social citizenship rights, and stakeholder requirements consideration. Manuscript profile
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  5 - Financial Profitability by Determining the Pattern of Causal Relationships between Factors Affecting the Customer’s Culture of E-banking Services (Case study: Bank Mellat)
  Fereesteh Oghbaie Ali Rezaeiyan S. Mahdi Alvani S. Zabiholla Hashemi
  10.30495/fed.2022.697604
  AbstractOne of the most important ways to increase financial profitability for banks is to identify and attract more customers. Most research on financial profitability through identifying and attracting customers has ignored the cultural dimension and ignored or paid l More

  AbstractOne of the most important ways to increase financial profitability for banks is to identify and attract more customers. Most research on financial profitability through identifying and attracting customers has ignored the cultural dimension and ignored or paid little attention to this important and key factor. The purpose of this study is financial profitability by determining the pattern of relationships between factors affecting the culture of e-banking customers to attract and retain them more as an innovative step in serving the community. This research is descriptive in nature and method and applied in purpose. Typically, research is a mixed research (qualitative-quantitative) in the inductive paradigm. The data collection tool is a semi-structured interview and a questionnaire. Qualitative data obtained from interviews with customers and managers of the bank's marketing were coded using thematic analysis, and for financial profitability, the most important factors affecting the culture of e-banking customers have been extracted, categorized and approved by experts. In the quantitative part of the research, to determine the pattern of causal relationships between identified factors (ethnicity, values, literacy, art, laws, technology), the Demetel technique (group decision based on pairwise comparisons and expert judgment) was used. The results show that for financial profitability for Iranian banks, the factors affecting the culture of e-banking customers are important and affect each other, respectively: literacy, values, technology, ethnicity, laws and art. Manuscript profile
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  6 - بررسی رابطه بین کیفیت خدمات بانکداری الکترونیکی با رضایتمندی، علایق رفتاری و استنباط مشتریان از خدمات الکترونیکی بانک ملّی (مورد مطالعه:بانک ملّی، شعب شرق تهران)
  جلال حقیقت منفرد مرضیه شعبانی بهمند
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