Title: Using AHP method to evaluate e-payment system factors influencing mobile banking use in Iranian banks

Authors: Mohammad Osmani; Khaled Moradi; Mohd Zaidi Abd Rozan; Mahmood Abbasi Layegh

Addresses: Management Department, Mahabad Branch, Islamic Azad University, Mahabad, Iran ' Faculty of Electronic, Mahabad Branch, Islamic Azad University, Mahabad, Iran ' Faculty of Computing, Universiti Teknologi Malaysia (UTM), Johor, Malaysia ' Faculty of Electrical Engineering, Urmia University, West Azarbayjan, Iran

Abstract: In the mobile banking technology, the electronic payment systems need to be assessed from different viewpoints to boost the performance of these systems. Therefore, in this research, a multi-criteria decision making model is developed comprising the key factors that impact the mobile banking usage in the Iranian banks. From the literature, we developed a research model including four main criteria and 22 sub-criteria. AHP as the multi-criteria decision making method is used for ranking the criteria and sub-criteria to incorporate the research model. The obtained data from 12 experts in online banking systems were analysed by using Expert Choice software. The pairwise comparisons results revealed that the main criterion, the most important factor that influences the use of Iranian mobile banking, was the security infrastructure. Additionally, as the sub-criteria, authorisation in legal infrastructure, trust in socio-economical infrastructure, security in security infrastructure, and flexibility in technical infrastructure had high priority.

Keywords: analytical hierarchy process; AHP; online banking; mobile banking; m-banking; e-banking; electronic banking; electronic payment systems; e-payment; Iran; pairwise comparisons; automated teller machines; ATMs; multicriteria decision making; MCDM; banking industry; bank infrastructures; authorisation; trust; bank security; technical flexibility.

DOI: 10.1504/IJBIS.2017.082897

International Journal of Business Information Systems, 2017 Vol.24 No.4, pp.511 - 528

Received: 10 Jan 2015
Accepted: 05 Sep 2015

Published online: 15 Mar 2017 *

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