Factors Affecting the Adoption of Virtual Banking in the Banking System of Iran

Acceptance of virtual banking due to its newance to common people, is a major challenge in the development of banking system. In this study, an attempt is made to investigate de' facto the main factors affecting the acceptance of virtual banking and their causal relationship per se. For this reason, we have utilized the theory of planned Behavior Analysis, and DEMATEL method and subsequently applied the MATLAB Software thereto. The statistical population of this research, was comprised initially the 45 questionnaires distributed to Research Directors of banking system of Iran in which out of them, 23 questionnaires were gathered in toto. The results prima facie indicate that, there are two groups of factors which are indentified in this process i.e. Affecting and Affected factors. In this context, the affecting factors are, designated as perceived good will, tendency to confidence building and self sufficiency, while the affected factors are considered to be the family effect, friends effects and testability, sine qua non. Thus, we can conclude that the application of the Augmented Model of the Theory of Planned Behavior Analysis and DEMATEL method will properly predict the behavioral intention of people and indentifies its causal factors, Ipsofacto.