Study of factors affecting operational electronic banking risks in Iran (Case Study: Melli bank of Kermanshah)
Journal Title: International Research Journal of Applied and Basic Sciences - Year 2012, Vol 3, Issue 10
Abstract
Recently, banks have been providing their electronic services to customers remotely. This technological innovation by E– banking systems has been accompanied by several risks in addition to benefits it has brought about to customers one of which is operational risks. Banks need to identify this risk in order to manage it. 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 randomly cluster. The method of this study is descriptive- survey research. The first half of the year of 2012 constituted study period. One-Sample T-Test, Friedman ranking Test and Independent Samples Test were employed to test hypotheses, to rank factors affecting operational risks and Comparison the amount of effective factors on the operational risks of electronic banking at Melli Bank of among employees and customers, respectively 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 are not equal and In factors (Security), employees opinion is more than customers,. But In factors (Data accuracy, Technological infrastructures, Access to systems), customers opinion is more than employees. This research concludes with some recommendations to Kermanshah Melli bank in order to manage and lower operational E-banking risks.
Authors and Affiliations
Peyman Akbari| Master of Commercial Management, Young Researchers Club, Kermanshah Branch, Islamic Azad University, Kermanshah, Iran,peymanakbari3537@yahoo.com, Rezvan Rezavandi| Master of Commercial Management financial trend, Islamic Azad University, Kermanshah Branch, Iran, Omid Baharestan| Master of Commercial Management financial trend, Islamic Azad University, Kermanshah Branch, Iran, Toraj Vatandost| Master of Commercial Management, Esfahan University, Esfahan, Iran
Keywords
Related Articles
- EP ID EP5146
- DOI -
- Views 383
- Downloads 19
Influence of vermicompost and plant density on some morphological traits and biological yield of mungbean (Vigna radiata)
The main objective of this study was to determine the effects of vermicompost and plant density on morphological traits and biomass production of mung bean (Vigna radiata). The experiment was conducted during the growing...
Relationship between Religion and Mysticism
The relationship between religion and mysticism is among the issues that have a long designation history among the scientists and different theories have been reviewed in this respect. In this study, it proves that there...
The Relationship Between The Organizational Justice And Empowerment Of The Employees Of Hamadan Sport And Youth Government Offices in Iran
The present research project was done to show the relationship between the organizational justice and with the empowerment of employees of the Hamadan Sport Youth government offices . The research method used was correla...
Surveying the Effect of Qualitative Characteristics of Accounting Information on Improvement of Management Decisions
The main purpose of this study is the effect of qualitative characteristics of accounting information on management decisions. Accounting information is intended as a tool for management decisions. The purpose of develop...
Human-induced impacts of land use management on soil properties (case study: high-altitude area of Sahand mountain rangelands, East Azerbaijan-Iran)
Dry cultivation and overgrazing are widely recognized as the degradation primary causes of high land rangelands in semi-arid regions of Iran. The objective of this study was to quantitatively evaluate the magnitude of ch...