A study of the effect of electronic banking on the melli banks’ liquidity management in Kermanshah

The purpose of this research is to investigate the effect of electronic banking on the liquidity management of melli banks in Kermanshah.In this research we survey the effects of electronic banking tools included automatic taller machines (atm),point of sale (pos).internet banking, phone bank, mobile bank and pinpad as independent variable in liquidity management. In this research descriptive method is used and is correlation kind . The population consists of melli bank branches in Kermanshah. The tool for collecting data is researcher - made questionnaire and samples includes 120 persons of employees of melli bank in Kermanshah through which sampling considered non - probability and selective and was done during 92 - 93 . To examine hypotheses regression and correlation and pearson correlation coefficients and spss software are used . Results show that all the variables in liquidity management are effective and recommendation provided by managers and relationship experts should show the advantages of electronic banking tools to people and customers through media and by effective advertisements in order to decrease using of cash in transactions and society can benefit from its positive effects.