Factors Affecting the Intention to Use Electronic Banking Services Via Mobile Phone in Iraq and Solutions to Improve Them

The development of the situation in banking sector led to an increase competition providing distinguished electronic services customers, which prompted banks explore factors influencing customers' intention use through mobile phones Iraqi and provide solutions thereto. problems that suffer from. Where research problem was represented lack telephone services, although they are available 24 hours a day. Therefore, importance stems from studying impact over phone its on customers.
 relied basic hypothesis security greatly affects them. researcher used analytical descriptive approach, where community all users for (Ravidian - Al-Rashid Commercial), cluster sample drawn Consisting (120) clients. questionnaire form consisting (30) items, opinions bank customers were surveyed about what actually receive services. He also SPSS. performed T Anova tests show influence demographic factors, analyzed standard deviation arithmetic mean.
 Among most important findings is there effect variables this service reduces transportation costs, highest component mean (4.03) (0.90), means agreement facilitates In carrying out tasks costs incurred by customer