"challenges in trust and security by implementation of e-crm among banks and financial institution: a case study of e-banking in iran”

the advancement in technology, information and communication has forced banks and financial institutions into hard competition.  in this new era technology, people and customer are the elements which the banks are concentrating on them to manage customer relationship and success of banking in customer satisfaction. electronic customer relationship management (e-crm) is seen to arise from the consolidation of traditional crm with the e-business applications marketplace and has created a flurry of activity among companies. the purpose of this study is to examine the competitive advantages on e-crm in financial institutions and banks and obtain better understanding of the e-crm benefits. a qualitative research approach was used for this study. empirical data was collected through interviews were conducted with twenty six banks which just sixteen of them are participated. our findings indicate accessibility, convenience, services quality, timeliness, and trust are the most important benefits of e-crm. we found that implementation of e-crm bring about the following competitive advantages: up to date of banks, preparation of up to date technology, proliferation of channels, marketing and strategic factors and fragmentation of customer segment.