Proposing a strategic model for the development of E-banking in Iranian commercial banks

Abstract

This study aims to propose a strategic model for the development of E-banking in Iranian commercial banks. Hence it tries to study environmental and organizational factors of Iranian commercial banks (Mellat, Melli, Saderat, Tejarat, Parsian, Saman, Eghtesad Novin and Karafarin Bank) in form of a model along with analyzing their impact on the development of E-banking in Iranian commercial banks. This model was then examined in a survey using interview and questionnaire tool on a sample of 287 managers and E-banking experts in Iranian commercial banks. SPSS and LISREL software and Structural equation modeling method was used for data analysis and studying the relation between variables. The result suggests that top management and human resources in organizational factors, social and cultural environment in macro-factors and customers and competitive pressures in micro-environmental factors have the most impact on the development of E-banking.