Factors Affecting Electronic Banking

Electronic banking, as one of the main pillars of digital transformation in the financial system, plays a fundamental role in improving efficiency, reducing operational costs, and enhancing customer satisfaction. The purpose of this study is to identify and analyze the key factors influencing the development and adoption of electronic banking in Iran’s banking system. The research method is descriptive–analytical, and data were collected through a review of domestic and international studies, official reports from the Central Bank, and relevant scientific papers. The findings indicate that information technology infrastructure, user trust and security, legal and regulatory frameworks, digital literacy, and service quality are the most influential factors affecting the success of electronic banking. The results also show that weak communication infrastructure and low customer awareness are major challenges to the expansion of these services. Accordingly, the simultaneous development of technical infrastructure, user education, and transparent regulatory frameworks can pave the way for the full realization of digital banking.

کلیدواژه ها:

Electronic Banking ، Customer Trust ، Information Security ، Technological Infrastructure ، Digital Literacy ، Legal Regulations ، Service Quality