H. Hamidi - Department of Industrial, K. N. Toosi University of Technology, Tehran, Iran, Tehran, Iran
S. H. Seyed Lotfali - Department of Information Technology, Islamic Azad University E-Campus, Tehran, Iran

In this paper, the cloud-computing model proposed by Davis has been used to explain the main parameters of cloud computing by the use of information systems. This paper investigates influential factors in decision to use cloud computing among employees of the national bank information technology organization based on the cloud-computing model. To analyze and investigate the use of cloud computing in national bank services, the designed questionnaire was distributed among ۲۳۰ experts and acquainted with the information technology industry in the national bank information technology organization; which resulted in the questionnaire’s Cronbach's alpha ۰.۸۴. After conducting exploratory and confirmatory factor analysis with regard to analytical coefficients, utility factors were proved to have the most critical influence on the decision of using cloud computing in the electronic banking system. The findings of this research can be considered as guidelines used by national bank managers to employ cloud computing technology.

efficiency factor, cloud computing, Banking Services, Factor analysis