a study on factors affecting operational electronic banking risks in iran banking industry (case study: kermanshah melli bank)

Authors

peyman akbari

abstract

nowadays, advances in information and communication technologies, has provided an opportunity for banks to provide their electronic services to their customers in remote areas. this technological innovation by e–banking systems has brought about many benefits to customers while it has been accompanied by a number of risks including the operational ones. this risks need to be identified and managed by the banks. the present research identifies, compares, and ranks factors affecting operational e-banking risks in viewpoints of customers and employees of kermanshah melli bank. to this end, a questionnaire was distributed to 300 employees and 384 customers of kermanshah melli bank by applying   random cluster data collection method. the method of this study is descriptive- survey research. the study period covered the second half of the year of 2012. one-sample t-test, friedman ranking test and independent samples test were employed to test hypotheses, to rank factors affecting operational risks and to compare the amount of effective factors on the operational risks of electronic banking among employees and customers melli bank respectively. the results indicate that hypotheses (1-5) support effects the factors (data accuracy, internal controls, technological infrastructure, access to systems, and security) have on melli bank operational e-banking risks; hypothesis (6) ranks each of the 5-fold factors. in the security factors employees’ opinion is more effective than customers, but in factors (data accuracy, technological infrastructures) the trend is reversed. the study also includes recommendations in order to manage and lower operational e-banking risks.

Upgrade to premium to download articles

Sign up to access the full text

Already have an account?login

similar resources

A Study on Factors Affecting Operational Electronic Banking Risks in Iran Banking Industry (Case Study: Kermanshah Melli Bank)

Nowadays, advances in information and communication technologies, has provided an opportunity for banks to provide their electronic services to their customers in remote areas. This technological innovation by E–banking systems has brought about many benefits to customers while it has been accompanied by a number of risks including the operational ones. This risks need to be identified and mana...

full text

Electronic Banking and Customer Satisfaction in Bank Melli Iran

Many e-commerce transactions via e-payment systems is carried out. The aim of this study is that the theory of structures, an empirical analysis about the importance and ranking key factors that may be on customer satisfaction in electronic payment systems affect the Iranian banks.9 specific topics of the factors in e-payment systems, customer satisfaction and affect are more key, were selected...

full text

Electronic Banking Industry and Accountability (Case of Study: Employees of Refah Bank)

As industrial processes have changed with the advent of e-commerce, banking industry, in turn, has changed. Implementation of electronic banking in any country requires different infrastructures including its material and human resources that the growth of technology and innovation in banks on the one hand, have increased the speed and quality of operations and services, and on the other hand, ...

full text

electronic banking and customer satisfaction in bank melli iran

many e-commerce transactions via e-payment systems is carried out. the aim of this study is that the theory of structures, an empirical analysis about the importance and ranking key factors that may be on customer satisfaction in electronic payment systems affect the iranian banks.9 specific topics of the factors in e-payment systems, customer satisfaction and affect are more key, were selected...

full text

Factors Affecting Internet Banking Activities: A Case Study of a Community Bank

This research project investigated the subject of Internet banking activities for a major credit union in California. Community banks have not been the research focus for Internet banking. While large scale banks concentrate on applying information technology to improve their customization, smaller banks have to rely on their mobility, personal touch, and marketing techniques for individual cus...

full text

Trust, Reputation and Quality of E-Banking Services (Case Study: Melli Bank Customers)

In today’s very competitive world gaining competitive advantage is bound to arranging products and services of companies and businesses in accordance with customers’ needs. For this purpose, gaining reputation in E-service can be quite helpful. Thus the goal of the present research is studying the effect of E-Banking Service Quality on Bank Reputation. So a coherent collection of structures wer...

full text

My Resources

Save resource for easier access later


Journal title:
international journal of management and business research

Publisher: islamic azad university

ISSN 2228-7019

volume 2

issue 2 2013

Hosted on Doprax cloud platform doprax.com

copyright © 2015-2023