An empirical analysis on the adoption of electronic banking in the financial institutes using structural, behavioral and contextual factors

Abstract

This research examines contextual, structural and organizational factors, which can facilitate or slow down adoption of innovation in Electronic Banking in the financial Institutions. Three-dimensional model co-structure, co-behavioral, contextual (3C) is used in this research. This schema is a logical model in the categories of models and many of concepts, events and organizational phenomena can be examined. Structural factors including type of the organization of institution, work distribution, preparing mobilization of resources and equipment and risk of decision-making sophistication influence on adoption of Electronic Banking. There are four contextual factors, which contribute in adoption of Electronic Banking including goals, strategies, culture and common norms. The five Behavioral Factors, which affect on electronic banking are connections and relations, skills and personal characters of employees, education, job satisfaction and banking work process. By studying the mentioned factors, we have realized that contextual factors plays important role on adoption of electronic Banking by employee and the behavioral and structural factors have minor impacts. The mentioned proposals are methods, which facilitate the adoption of electronic banking in the country.

Keywords

• Organizational factors
• Structural factors
• E-commerce
• Behavior factors