Investigating the Relationship between Technical and Legal Factors with Tendency of Villagers to Use E-Banking Services (Case Study: Agricultural Bank Branches in Ilam)

Abstract

The purpose of this study was to investigate Relationship between Technical and Legal factors with tendency of the villagers to use e-banking services. The Method of this this study is descriptive- correlative. The main data gathering tool in the current study is a made questionnaire which is designed and executed based on the conceptual background of the subject matter and the objectives and hypotheses of the study. Contextual and facial validity of the questionnaire were confirmed by a panel of experts in agricultural training and expansion including the professors at the Islamic Azad University of Ilam and Ilam University and after revising the ambiguous questions based on their points of views the reliability of the questionnaire was tested using Cronbach's Alpha coefficient and based on the obtained value (α=84.4) it is obvious that the questionnaire can finely assess the research variables. The statistical population of this study includes all the customers of rural branches of Agricultural Bank in Ilam Province (N=82885). Among these 120 participants were chosen through sample size determination formula and they were studied using stratified random sampling method. The data analysis task was done using the SPSS software application and it was carried out in two levels; namely descriptive statistics (center-oriented statistics and distribution) and analytical statistics (Spearman's Correlation Coefficient in order to test the correlational hypotheses of the research). In the analytical statistics level the results obtained from calculating Spearman's Correlative Coefficient showed that Technical and Legal factors had a significant impact of the extent of the tendency of the villagers to use e-banking services of the Agricultural Bank at the 99% level.