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چکیده
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Recently e-banking has an increasingly important in the bank's activities. The main reasons can include the modern technologies, expansion of competition, needs to efficient and comfortable services, cost and economical changes. The above factors caused complexity, challenge, ambiguous, and risk feeling in the customers who use of electronic capabilities. The main goal in this paper is study of the adopted customers risk on developing of e-banking. Therefore we identify the five groups of risk as performance, security, rule(law), time and financial categories. Then their effect were surveyed from studying of the sub groups on the e-banking acceptance. Design/methodology/approach : Based on an empirical study in the field of e-banking, the authors validate a measurement model evaluating of risks in adopting of e-banking, based on the following risks: performance, security, law, financial, time Findings : Final the results show significant relationship among recognized factors and the extent of adopted risk in e-customers. As the demographic factor of customers affects on acceptance sense and at last on the amount of using from e-banking. Consequently the findings demonstrate the risk of application the electronic feasibilities differ from other mentioned factors from the customers banking views. The SEM model also showed the meaningful casual correlations between some variables and the extent of using of e-banking in this research. Findings show the most important risk of acceptance e-banking by customers in Iran as a developing country is the performance risk, it related to function of system servers or situation of disconnection from the internet will occur while conducting online transactions because these situations may result in unexpected losses. Originality/value: The knowledge of these risks as major factors of consumer’s adoption and perception in the internet provides banks as a useful tools to establishment an effective quality management for their e-busin
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