Purpose – The purpose of the study was to identify the factors underlying the decision to adopt online banking in
Iran. Design/methodology/approach – The samples used in this empirical study includes 560 persons who were
among Iranian Internet users and completed the interactive questionnaires. The statistical analysis which has
been used in regard to the dichotomous decision of whether to adopt Internet Banking services was Logistic
Regression.
Findings – The results show that one of the dominant relationships that have been observed in our study is the
link between the decision to use Internet Banking and the experience of using Internet. Certain demographic
variables like gender also proved to be robust predictors of the adoption status. This inquiry documents that
perceived level of security of Internet transactions in Iran Internet users don’t have impact on acceptance of
Internet Banking. These findings can provide a valuable tool for the expansion of Internet Banking and remove
impediments of Internet Banking acceptance.
Practical implications – The results presented in this paper can be of assistance to financial institutions that either
operates in Iran or Islamic countries. Useful insights are also provided with regard to security and strategies
fostering the acceptance of Internet Banking.
Originality/value – The analysis is based on a random sample of Internet users at Iran that rarely discussed in
previous literature.