The effect of e-banking on bank customers’ deposits

Abstract

The phenomenon of electronic banking is one of the achievements of e-commerce. Banking has received an essential role in e-commerce with the growing increase of e-commerce in the world and the need of business to carry out banking operations to transfer financial resources. Generally, electronic banking refers to providing banking services including transferring resources through a public and available communications network. Modern organizations are in a complex global competitive environment which is due to environmental, organizational, and information technology changes. The Internet has changed the nature of organizations’ work; hence, correct and appropriate use of information technology and the Internet in the field of financial transactions has greatly reduced financial costs in addition to facilitating these exchanges. Given the importance and necessity of electronic banking, the present research investigates the effect of electronic banking on bank customers’ deposits. To this end, descriptive and analytical methods (library, national and international journals, high-quality international articles, Azad University, PNU, etc.) were used. Electronic banking has a high security level and such a high security has an effective role in people's attitudes towards electronic banking and can have a positive effect on banks customers’ deposits. Respondents having a positive attitude towards electronic banking is convenient which enhances their willingness and motivation to increase bank deposits. There is a significant relationship between the available features of e-commerce market and the amount of individuals’ deposits. In fact, individuals’

Bank deposits increase by improving and increasing opportunities for e-commerce in market. Electronic banking has many advantages and these advantages have been effective in increasing the deposits of customers and depositors while disadvantages can influence the amount of individuals’ deposits.