Investigating the effect of Covid-19 limitations constraints on the adoption of electronic banking technology among middle-aged customers of the Iranian banking industry

Abstract

The aim of this study was to investigate the effect of Covid-19 epidemic limitations on the adoption of electronic banking technology in the Iranian banking industry. This research is applied and its approach is descriptive-survey. In this study, middle-aged customers (40 to 60 years old) of the Iranian banking industry were considered as a statistical population whose number was unlimited. According to the Cochran's formula, this community needed at least 384 statistical samples. In this study, cluster sampling method was used to select statistical samples and 400 people were selected as a statistical sample. The research data collection tool was a researcher-made questionnaire that contained 32 items. The validity of this questionnaire was checked and confirmed by the method of expert validity. The reliability of the questionnaire was assessed and confirmed by Cronbach's alpha method. The data obtained from the questionnaires were analyzed using descriptive and inferential methods and SPSS and LISREL software. Finally, the results showed that in the study population, the epidemic constraints of Covid-19 (individual constraints and social constraints) have made the middle class of Iranian society more receptive to electronic banking technology and show less resistance in this area.