مهدی محمودزاده

The aim of this study was to identify barriers to the implementation and use of Internet banking in Keshavarzi Bank. Due to the fact that qualitative data was first collected through study and interviews with experts, at different stages, different tools were used to collect the required data. In the first stage, data was collected through interviews with experts and systematic review. In the second stage, a questionnaire related to the content analysis method was evaluated. The statistical population of the study was 20 experts with master's and doctoral degrees and high work experience in banking management who were selected based on purposive sampling. The results show that, after reviewing the background and interviewing with 20 experts, 20 open source codes were identified by using theme analysis. The results of qualitative content analysis showed that 20 open source codes were important enough. Convergent validity was performed and the fit of the model was confirmed. However, it was found that the most important priorities were the inequality of the Internet banking system in the country's banking network, unpreparedness of the national information network, technological infrastructure problems used in websites, negative customer experience and their low trust, and fake and misleading sites. Banks should regularly update and retain their customers' communication gateway systems such as mailbox and digital and online space, to make customers more willing to receive Internet banking services in the future.

Development of modern economy without private sector and high vigilance entrepreneurs is vital to identify opportunities and use of opportunities around the world. In this regard, identifying the influencing factors on emergence and development of entrepreneurship culture can be effective to promote entrepreneurship in our country. For this purpose, the main issue in this study is to identify the elements of entrepreneurships making culture to support small and medium sized enterprises. To answer the question, the purpose of this study is to design a model for influencing factors on national entrepreneurship to support small and medium sized enterprises using literature review and experts opinions. To achieve the goal, Delphi Model was used. Delphi survey results showed reduction of bureaucracy in launching a business, raise the social status of entrepreneurs, social and economic justice, reform of popular culture and religious beliefs to work, reforming education and management structure in the country, government support, creating and the development of venture capital funds, targeted tax cuts, respect other people's capital, raising national security investment as factors influencing entrepreneurship in support of small and medium enterprises.