An analysis of the effective factors on the acceptance of electronic banking technology (A case study of all branches of Keshavarzi bank in Ilam province)

The general purpose of the present study is to investigate the effective factors on the acceptance of electronic banking. This research used a mixed approach and an exploratory sequential design. In the qualitative part, the statistical population of this research included experts and subject matter specialists in the field of electronic banking. After conducting in-depth interviews with 20 of them, the data was obtained using the Delphi technique. In the quantitative part, the statistical population included the 200000 customers of all 30 branches of Keshavarzi Bank in Ilam province, who used electronic banking services at the time of study (2020-2021). Using the Krejcie and Morgan table, the number of samples in the statistical population was set at 384. Sampling was performed based on the stratified random sampling technique. The data collection tool (in the quantitative part) was a questionnaire, the face and content validity of which were confirmed by professors and relevant experts, and its reliability was verified using Cronbach's alpha coefficient (0887). Based on the results of the qualitative part, five factors affect the acceptance of electronic banking technology. They include: Understanding the ease of application of the electronic banking technology by the customer; Understanding the usefulness of the application of electronic banking technology by the customer; Social and cultural factors, Specific features of electronic banking technology; and the type of electronic banking services. The results of the quantitative part indicated that based on the fit indexes, the general structure of the research model is approved, and that understanding the ease of application of the electronic banking technology by the customer, understanding the usefulness of the application of electronic banking technology by the customer, Specific features of electronic banking technology, and the type of electronic banking services affect the adoption of electronic banking technology, while social and cultural factors have no effect on the adoption of electronic banking technology.