CAUSAL RELATIONS BETWEEN STRATEGIC VALUES AND E-BANKING ADOPTION IN IRAN WITH A COMPARISON VIEW BETWEEN STATE AND PRIVATE OWNED BANKS

This paper attempts to investigate the differences among private owned and state owned banks in Iran by also considering the causal effect of strategic value of e-banking on its adoption. The researchers propose an e-banking adoption model that is identifying five factors that have been found to be influential in the perception of strategic value of IT: performance support, operational support, managerial productivity, and strategic decision aids. They also identified eight factors that influence electronic banking adoption: organizational readiness, Infrastructural readiness, external dependency, Intangible pressure, persuasive pressure, perceived ease of use, and perceived usefulness. Data are collected via a questionnaire-based survey from Decision maker unit of Iranian Banks, four Private owned and two States owned. The result of this study emphasizes essential difference in the attitude towards e-banking adoption between state owned and private owned banks. This dissimilarity has been found also in their attitude toward strategic value of e-banking. In addition it is also discovered that bank managers' perception toward e-banking is very positive and effective in their adoption trend. This perception will help them accelerate the adoption process.

Keywords:

perception , adoption , strategic value , banking industry , DMU