Effect of E-Banking on Banks’ Customers Commitments of Maskan Banks in Gillan Province

This study seeks to assess the factors influencing customer commitment Maskan Banks province of ways to attract customers and increase their commitment towards electronic banking services will be identified in the Maskan Bank. The study in term of methods is descriptive and in term of purpose is practical. The study sample focused on customers with current accounts, bank Maskan loan province (16,294 people). To determine sample size, with respect to the normal population, using Cochran s formula was based on a sample size of 377 was calculated. Measuring tool in the study questionnaire and Cronbach Alpha test was used to evaluate the reliability of the questionnaire. Data analysis using Pearson s correlation coefficient and to explain the impact of independent variables on the dependent variable in the regression was performed. The findings indicate a positive relationship between shared values and banking commitment and shared values and confidence in e-banking in the province s Maskan banks. The results can be a positive relationship between the variables of communication and trust in electronic banking and also noted a positive relationship between communication and interest in e-banking. Data analysis indicates a positive relationship between trust and commitment in e-banking and e-banking is interest and commitment. While the opportunistic behavior and trust in electronic banking, there is a negative relationship. However, with a view to determining the rate coefficients calculated for the independent variables; It can be concluded that the coefficient of the variable reliable set 51.5% of the most significant variable is committed relationship. The shared values of the variables determining factor is 52.7 highest positive correlations with the variable reliable and then determining factor of 51.9 percent, the highest positive correlation with the commitment variable.

Keywords:

opportunistic behavior , confidence , charm , communication , shared values , electronic banking , customer engagement , Maskan Bank