The Investigating of Barriers of Development of E-banking in Iran

Abstract

Present age is communication and information technology age. One of the most important phenomena of this age is Revolutionizing of traditional banking. Development of electronic communication and access of large numbers of people to the Internet, has provided the conditions for establishing trade and economic exchanges. This subject led to increase of competition in the banking industry and creation of electronic banking services. With increasing demands for such services, something that should be considered is the barriers of electronic banking. Experts state that barriers of e-banking infrastructure are consisting of four categories: professional and technical barriers, legal and social barriers, strategic barriers, and financial and economic barriers. In this research, we investigated of these four barriers in e-banking industry in Iran. For this purpose, we selected 100 of e-banking’ experts and questionnaires were distributed among them. After statistical analysis, the results show that excluding of financial and economic barriers; other barriers are as an obstacle to the development of e-banking. Field of research: Banking.