Prioritizing and Assessment of the Relationships between Factors Affecting Underdevelopment of Electronic Banking in Iran (a Study with Fuzzy DEMATEL Approach)

Banks, in order to extend the development of information technology and electronic banking services and its using by customers, in first place, should examine barriers and problems in using information technology. Therefore, in this study we deal with identifying and prioritizing these barriers in Iranian banks. Our method in this research is descriptive-survey. In this way, after the library study and the extraction of factors and problems facing the information technology, common indexes is extracted by Delphi approach, which is classified in 8 categories and led to 17 indexes. Then, by helping the fuzzy DEMATEL approach we prioritize these indexes. By using MATLAB software the affecting and the affected factors was analyzed. The results show that the affecting factors on development of electronic banking include society culture of acceptance, lack of public awareness, the field of communications, strong culture of organization, managers’ acquaintance with technology, strong regulations to deal with cyber criminals, recruitment of skilled human resources and coordination in the adoption of field of policies in the of technology. Also the affected factors of development of electronic banking include existence of centers of various decision making in technology, development and being adequate networks, individuals’ continuous training, managers planning about promotion and maintenance of systems, existence of modern hardware and software, system monitoring and safety, required standards in information resources, lack of deficiency in accuracy and being up to date the information and information resources. They all are affecting from other factors in electronic banking development. JEL Classification: C44, G210