A Survey of Critical Success Factors of Private Banks in Electronic Banking Services

  •  Nour Mohammad Yaghoubi    
  •  Reza Siavashi    
  •  Roohollah Bahmaei    


One of the key problems in development of electronic banking services, is the lack of a comprehensive framework to recognize and evaluate the crucial factors of banking success in offering electronic services, which in this study it has been addressed directly. By exploratory factor analysis, the main variables of model are determined and a comprehensive model to identify the key elements of private banks successes in offering electronic services, have been discovered and delineated. This comprehensive model, falls the key elements in six main groups of technical- structural factors, financial factors, cultural- cognitive factors, managerial factors (macro and micro), legal  -lawful Factors and qualitative - Security Factors of the System. On the other hand, in each group, the most important items in terms of correlation with the success of electronic banking services are determined. And at last, a comprehensive framework and constructive suggestions in order to solve the issue in electronic banking industry is presented. The model can be an appropriate and valid basis for conducting future researches in the mentioned field.

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