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Investigating the level of electronic readiness of the National Bank of Gilan province from the experts' point of view

Number of pages: 139 File Format: word File Code: 30784
Year: Not Specified University Degree: Master's degree Category: Economics
Tags/Keywords: Banking - electronic - Electronic banking - Electronic commerce - Electronic readiness model - Information technology
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  • Summary of Investigating the level of electronic readiness of the National Bank of Gilan province from the experts' point of view

    Academic Thesis for obtaining a master's degree in the field: Business Administration, Major: Marketing

    Abstract

    Researchers believe that we are now living in the information age, an age in which knowledge and information are considered an inevitable necessity, the reason for the emergence of this age is new technologies that are known as communication and information technology (FAVA). From the future goals and the analysis of current conditions, they have turned to planning to create structural changes and to increase the efficiency and well-being of citizens. Today's societies and organizations need to analyze the conditions and evaluate their current situation in relation to the use of FAVA, and make this analysis the basis for planning to achieve the desired situation. Electronic preparedness and its measurement tools provide this opportunity to the micro and macro level policy makers and to know their communities and provide the basis for the acceptance of these technologies. Electronic preparedness as an environmental analysis tool identifies the opportunities and threats of the environment and presents a model of their electronic preparedness by expressing the strengths and weaknesses of societies and organizations. Investigating the level of electronic readiness of the National Bank of Gilan province from the point of view of experts is the main goal of the research. This research is based on a descriptive research plan and based on the purpose of an applied research. The statistical community of experts are people who have sufficient and necessary information on the bank's activities in electronic commerce issues and finally electronic readiness, people who are working in the IT department in charge of Melli Bank branches, as well as heads and deputy heads of the 1st, 2nd and 3rd level branches in Rasht city, which is a total of 80 people, and 76 questionnaires containing 30 questions were distributed using a non-probability method, out of which 68 questionnaires were distributed. It has been usable. SPSS software was used for analysis. The results of the analysis showed that the variables of the research in National Bank are well prepared and only the variable of human resources (employees) and cultural preparation after the analysis showed that it does not have the necessary preparation. At the end, some suggestions are given based on the research results as well as suggestions for future research.

    Key words: information technology, e-commerce, e-readiness model, e-banking

    1.  Information and Communication Technology

    Introduction

    Undoubtedly, today we are living in the most revolutionary period of history and constant transformation has become an undeniable and basic reality of human life. What created the background of such a profound and wonderful transformation and distinguished the third revolution of human history from the first two revolutions, are the achievements of new and late human technology; Achievements known as Information and Communication Technology (ICT). (Menoua, Taylor, 2006; Kauffman, Kumar, 2008) With the emergence of these technologies and the development of their use, organizations and societies have turned to planning for structural changes and using FAVA to increase the efficiency and well-being of citizens by drawing a clear vision of future goals and analyzing the current situation. (Rezai Klidbari, Davari, Imani 2013)

    For the effective use of information and communication technology, countries must achieve optimal preparation in the fields of infrastructure, providing access to the aforementioned technology for a large part of the country's population, and a suitable framework of laws and regulations for the use of this technology. The requirements to achieve these goals are to expand the existing capacities at an impressive speed.  This capacity is measured by the level of readiness of the country or organization, or in other words, by electronic readiness.  Electronic readiness means the amount and size of participation of any society or organization in the network space.  By evaluating the level of electronic readiness of organizations, societies can examine their existing situation from various dimensions of information and communication technology development and improve their level of desirability by planning on related indicators and criteria.  Therefore, in line with electronic preparation at the national level, this preparation should also be expanded at the level of organizations.(Baghrinejad, Sattari, 2011)

    According to the contents stated in this chapter, the statement of the problem, theoretical framework, hypotheses, questions and goals, importance and necessity, definition of variables and scope of the research are discussed. An era in which knowledge and information are considered an inevitable necessity, the reason for the emergence of this era is new technologies known as communication and information technology (FAVA). With the emergence of these technologies and the development of their use, organizations and societies have turned to planning for structural changes and using FAVA [1] to increase efficiency and welfare of citizens by drawing a clear vision of future goals and analyzing current conditions. 1391)

    Meanwhile, banks play a noteworthy role in increasing the volume of electronic commerce by moving towards electronic banking and offering new financial services. (Hassanzadeh and Elahi, 1387, p. 266) Also, attention to the IT needs of the National Bank of Iran, as the largest bank in the Islamic world, has always been the focus of the IT services company's management and its specialized staff. He used his expertise to eliminate technical deficiencies and defects in order to improve his processing power, software and hardware in view of the maximum growth trend of this bank's activities, in view of the significant increase in system transactions of the National Bank of Iran and the experience of 8 subsidy deposit periods (which includes more than 25% of the total deposit share of the country's banks) upgrading the center's hardware equipment and updating software System software was inevitable. (Automation of the National Bank of Iran, 1390, p. 31). The use of information technology in modern banking has made providing round-the-clock services in the most distant places one of the most basic demands of customers, and not paying for it will lead to the elimination of banks from the arena of competition. (China Cluster, 2010, p. 137)

    Today, information and communication technology is considered as a key weapon in the war against global poverty. If this technology is used properly, there is a huge potential for developing countries. These countries can overcome the obstacles to development and identify their most important social issues with the proper use of information and communication technology. They can strengthen their democratic institutions, free press, and domestic businesses, but to absorb the benefits created by information and communication technology, this technology must be implemented and used efficiently. On the other hand, countries face the threat of falling behind if they do not recognize the growing digital gap within the country, or between their country and other countries. These two issues indicate the position of information and communication technology in the growing and developing countries and also clearly define the necessity of a correct understanding of the country's position regarding the access and use of information and communication technology. (Hanfizadeh, Khodabakhsh, 1387)

    Therefore, taking advantage of recent developments in information technology and e-commerce enabling tools can achieve the desired goals. Iran's banks are a young country in the field of e-commerce and have a long way to go before reaching an acceptable level. In this regard, the expansion of electronic commerce and the provision of suitable electronic services by other organizations depends on the existence of strong and acceptable electronic banking. In order to determine the current situation, information about electronic preparation models seems necessary. Various definitions of e-readiness have been provided by various institutions and organizations. The definition of the Asia-Pacific Cooperation model of e-readiness is as follows: A country that is ready for e-commerce has free trade, regulated industry, ease of export, harmonized with global standards and trade agreements.

  • Contents & References of Investigating the level of electronic readiness of the National Bank of Gilan province from the experts' point of view

    List:

    Table of Contents

    Abstract 1

    Chapter One: Research overview. 2

    1-1) Introduction. 3

    1-2) statement of the problem 4

    1-3) importance and necessity of research 6

    1-4) main goal of research 6

    1-5) theoretical framework of research 7

    1-6) research hypotheses 8

    1-7) theoretical and operational definition of research 8

    1-8) scope of research 11

    1-8-1) Thematic domain 11

    1-8-2) Spatial domain 11

    1-8-3) Time domain 11

    Chapter two: Thematic research literature. 12

    2-1) Introduction 13

    2-2) Electronic commerce (EC) 14

    2-3) Definitions of electronic commerce. 14

    2-3-1) Buyer and supplier 16

    2-3-2) Seller and buyer 17

    2-3-3) Consumer and consumer 17

    2-3-4) Consumer and seller 18

    2-4) Electronic commerce in Iran. 19

    2-5) Definition of electronic readiness. 22

    2-6) National models presented by international organizations. 32

    2-7) electronic readiness models at the industry or organizational level. 32

    2-8) reasons for evaluating electronic readiness. 33

    2-9) The necessity of developing a new model for evaluating the electronic readiness of organizations 34

    2-10) Electronic readiness measurement tools. 35

    2-11) substructure of information and communication technology. 37

    2-12) Access to information and communication technologies 40

    2-13) Information literacy and human resource skills 43

    2-14) Measuring e-commerce in Iran. 46

    2-15) Research background. 48

    Chapter 3: Method of conducting research. 54

    3-1) Introduction. 55

    3-2) research method. 56

    3-3) Research implementation method. 56

    3-4) Society and statistical sample. 56

    3-4-1) Statistical community and sampling method. 56

    3-4-2) sample size. 57

    3-5) Data collection tool 58

    3-6) Validity and reliability of the questionnaire. 59

    3-6-1) Narrative. 59

    3-6-2) Questionnaire reliability. 60

    3-7) Data analysis method 61

    Chapter four: Data and information analysis. 62

    4-1) Introduction. 63

    4-2) Analysis. 63

    4-2-1) Description of research variables. 63

    4-2-1-1) Gender. 63

    4-2-1-2) The position of the organizational post. 65

    4-2-1-3) Age. 66

    4-2-1-4) Level of education. 67

    4-2-1-5) Work history. 68

    4-2-1-6) Field of study. 69

    4-2-1-7) ICT infrastructure. 70

    4-2-1-8) Infrastructure preparation of information technology. 71

    4-2-1-9) Preparation of processes 72

    4-2-1-10) Information literacy and human resource skills. 73

    4-2-1-11) Preparation of information technology strategy and policies. 74

    4-2-1-12) Preparation of human (staff) and cultural resources. 75

    4-2-1-13) Ability to access information and communication activities. 76

    4-2-1-14) managerial preparation. 77

    4-2-1-15) Legal-legal preparation. 78

    4-2-1-16) E-commerce infrastructural preparation. 79

    4-3) Test of research hypotheses. 80

    4-3-1) The test of the first main hypothesis 81

    4-3-2) The test of the first sub-hypothesis 82

    4-3-3) The test of the second sub-hypothesis 83

    4-3-4) The test of the second main hypothesis 84

    4-3-5) The test of the third sub-hypothesis 85

    4-3-6) Fourth sub-hypothesis test 86

    4-3-7)) Third main hypothesis test 87

    4-3-8)) Fifth sub-hypothesis test 88

    4-3-9)) Sixth sub-hypothesis test 89

    Chapter five: conclusions and suggestions. 9090

    5-1) Introduction. 91

    5-2) Descriptive statistics results. 91

    5-3) Results of inferential statistics. 94

    5-4) Proposals and research limitations. 97

    5-4-1) Suggestions based on research findings. 97

    5-4-2) research limitations. 100

    5-4-3) suggestions for future research. 100

    Resources. 102

    Appendices 106

    Source:

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    Hassanzadeh Alireza, Elahi Shaaban, 2017, examining the role of electronic banking in facilitating exports, Quarterly Journal of Business Research, No. 47, pp

    Hassanzadeh Alireza, Elahi Shaaban, 2017, review of the role of electronic banking in facilitating the export of the Quarterly Journal of Commercial Research, No. 47, pp. 265-235.

    Ali Ahmadi Alireza, Hor Ali Mansoure, 2014, "Study of the use of electronic commerce and information technology in Iran's oil and gas industry", Farda Management, third year, numbers 11 and 12, pp. 103-93.

    Alidousti Siros, 1389, "and e-commerce in small and medium-sized companies", Information Science and Technology, Volume 25, Number 3, pp. 548-529.

    Baghrinejad Jafar, Satari Hale, (1391) "Evaluation model of the electronic readiness of organizations in Iran to use information and communication technology services using the hierarchical analysis process", Technology Management Studies Quarterly First year information, number 2, winter 2013, pages 1-23. 

    Hanafizadeh Payam, Hanafizadeh Mohammad Reza, Khodabakhsh Mohsen, (2007) "Metuluzi design of developing Iran's e-readiness assessment model", Sharif Scientific and Research Journal, No. 45.

    Zarei Behrouz, Fatemeh Thaghafi, Qobadi Samieh, Ayat Saeed, (2013) "Effect of e-readiness on the implementation of information technology projects in Tejarat Bank", Quarterly Journal of Economics and Tejarat Novin, No. 15 and 16, pp. 99-126.

    Elahi Shaaban, Hassanzadeh Alireza, (1386) "Evaluation of the Role of Electronic Customs in Facilitating Exports", Quarterly Journal of Business Research, No. 43, pp. 93-120.

    Kikha Zahra, Okani Sadiq Mahmoud, Alipour Kamal, Nik Nafs Ali Akbar, (1388) "Electronic Commerce, Designing a Model for Assessing Electronic Readiness of the Province" Sistan and Baluchistan", Second Electronic City Conference, Organization of Municipalities and Rural Developments.

    Kord Baqer, Farvardin, (2008) "Examination of the relationship between the level of electronic readiness in the adoption of technology by small and medium-sized companies", Second Electronic City Conference, Organization of Municipalities and Rural Developments.

    Bagheri Dehnavi Maliha, Rezai Noor Jalal, Hani Seyed Hassan, (2013) "Presenting a conceptual model for evaluating the electronic readiness of organizations government with the help of Delphi method "The second national conference of software engineering in Lahijan, Islamic Azad University of Lahijan branch.

    Rezaei Kilidbari, Hamid Reza, Davari Ali, Imani Abdul Majid, (2012). "Investigation and comparison of the level of electronic readiness of the studied organization: two financial and commercial institutions" Information Technology Studies Quarterly, No. 1, pp. 75-90.

    Vaazi Reza, Imani Abdul Majid, (2008), "Measuring the electronic readiness of the business organization of Tehran province", Management Research, No. 6, pp. 49-74.

    Pariab Seyed Hossein, Haji Ali Akbari Jalal, Lari Amini Mansour, "Below Necessary constructions for the establishment and development of e-commerce in Iran, relying on culture", 4th National E-commerce Conference, Tehran, December 3-4, 2016.

    Memarzadeh Gholamreza, Sarfarazi Mehrzad, "Electronic banking and its interrelationship with electronic commerce", Information Technology Age, No. 50, Dari 2018, pp. 83-90.

    Rozbehan Mahmood, Afzal Mahmood, "Information technology and its place in The banking system of the country and Bank Tejarat", Azar 1382 - No. 101, pp. 46-53.

    Mahdavi Adeli Mohammad Hossein, Rezaei Shamsi, "The necessity of electronic commerce in Iran considering its role in productivity", Knowledge and Development Magazine, No. 21, second half of 1386, pp. 97-120.

    Ebrahimi Abdul Hamid, Dehdashti Shahrokh Zohreh, Mahdieh Omid, "Investigation of effective factors and problems of companies in using e-commerce (a case study of Iran's export companies)" Daneshvar Behavat Bimonthly, No. 44, December 2019, pp. 395-416.    

    Baqai Raori Javad, Moghadisi Alireza, "Presenting a three-dimensional model of the challenges of e-commerce implementation in Iran", Knowledge and Development 2015, - 19, 113-83. 

    Badrizadeh Heda, Mostajeran Mehri, Hashemi Nafiseh, "Evaluation of electronic readiness in line with the establishment of e-commerce, a study (the case of Siman Sepahan)" International Citizen Electronic and Mobile Phone Conference, 2019.   

    Pariab Seyed Hossein, Mimarnejad, "The state of electronic commerce in Iran", the first national conference on phytoremediation, 2013.

    Ziaipour Elham, Mohammadian Ayoub, Khosh Elhan Farid, Taghizadeh Alireza, "Framework of dimensions of national e-readiness based on a systemic approach" Information Technology Management, Faculty of Management, University of Tehran, Volume 3, Number 8, Fall 2015, pp. 97-114.         

    Salmani Behzad, Nasrullah Zadeh Shadi, "Proposed criteria for measuring e-commerce in Iran", 3rd National E-commerce Conference, 2014.

Investigating the level of electronic readiness of the National Bank of Gilan province from the experts' point of view
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