منیره اکبری

This article was conducted with the aim of providing a model of acceptance of virtual banking in the banking industry of Iran. The method of conducting the research was based on the pluralism of the ground theory in the data, which according to conducting the research at first using library studies, identifying the constituent elements of participation after in-depth interviews with 20 professional and scientific experts, in order to extract the elements and Thematic analysis method was used to group them. The output of this stage was the identification of 111 indicators in the form of 5 main dimensions and 12 sub-dimensions. Convergent and divergent validity were used to determine the validity, and the results were at the desired level, and the results showed that in order to accept virtual banking in the banking industry of Iran, considering the current situation and the complexities of banking in Iran, a strategic plan regarding virtual banking should be prepared and compiled, which the attention of the authorities And those involved in this field are essential to the capacities of the private sector in banking activities and the expansion of banking facilities. But in order to solve the problems, pay attention to the organizational strategies that include the formulation of a strategic plan for the participation of the private sector and the use of control and evaluation tools to ensure the effectiveness of teamwork and partnership in banking, along with creating a working environment with trust and honesty among customers to improve communication. Personal and interpersonal among the participants can provide a sustainable basis for the adoption of virtual banking.

This study aimed to identify the factors affecting security and privacy in the development of virtual banking in Iran using a thematic pluralistic research methodology. First, the elements constituting cooperation were identified in a library study. Then, in-depth interviews were conducted with 20 scholars and academic experts to extract the elements and group them according to the theme analysis method. The output was the identification of 27 indicators in two main categories and six subcategories. The convergent and divergent validity methods were used to determine the validity whose results were optimal. The results show that the effectiveness of security and privacy in developing virtual banking in Iran depends on the development of a comprehensive plan and attention to the future needs of the banking system, which will create satisfaction. So, it is necessary to develop general policies for reforming the banking system in the future. Also, according to the experts, customers’ satisfaction with the quality of the banking services, their trust in these services, and the ease of using them are the strengths of the virtual banking services and can be handled for attracting more customers and improving competitiveness in the virtual banking industry. On the other hand, customers’ need for e-services in the modern world is unavoidable. In cyberspace, the e-services of banks have become one of the fastest and most valid ways of financial transactions whose key requirement is trust in these services.