Factors Affecting on the Operational Risks of Electronic Banking in Iranian Banking System ‘Case Study of Isfahan’s Sepah Bank’

Today, developing in information and communications technology has provided an opportunity for banks to provide electronic services to the customers in remote areas. These advances in technology by electronic banking system in addition to having many benefits for customers also, it has some risks, which one of these risks is operational risk. The present research is one of the factors which affecting the rank on the electronic banking of operational risk of Isfahan's Sepah Bank. The necessary information in the present study were collected by using a questionnaire and the population of this research are experts of Isfahan's Sepah Bank. Sampling is simple random, and the number is one hundred. Information analysis is based on using test and was performed by multiple regression in SPSS and LISREL software package. According to the model presented in this study, operational risk as the dependent variable and the accuracy of the data, internal controls, technological infrastructure, accessing to the system, security and the level of education, and education as the independent variables, they are considered as an affective factor on the operational risks of electronic banking. The results show that the factors like; security, technological infrastructure and internal controls are affecting on the operational risks of electronic banking but the accuracy of data, accessing to the systems, the level of education and training have no effect on the operational risks of electronic banking. At the end of research, some recommendations for managing and reducing operational risks are presented in electronic banking systems