The role of influential perceptual dimensions on the client's use of Internet banking services: A case study in Pasargad Bank

Abstract

The aim of the present research is to study the role of the influential perceptual dimensions on the client's use of internet banking services of Pasargad Bank branches of Tehran. For this purpose, 384 of the clients of the branches of this bank in Tehran have been selected by using stratified random sampling method and the research questionnaires were distributed among them. The influential factors on acceptance of these services by the clients were studied in terms of four dimensions of efficiency, individual, social and security and for testing the proportionality of the research questionnaire, the exploratory factor analysis were used. The results indicated that the indices under study relatively represent the dimensions of the study. Hence, during the fitting the structural model, the effect of each of these dimensions were studied on the use of internet banking services, the results of which indicate that the efficiency and security dimensions have a significant effect (p<0.01) on the use of internet banking services while other dimensions such as individual and social dimensions in comparison to the efficiency dimension which were measured in terms of two concepts of usefulness and convenience and security, do not have a significant effect (p<0.01) on the use of internet banking services.