Identify criteria and components affecting ethical principles and provide an appropriate model in the electronic banking system
Subject Areas : Ethical contexts of management and governmentKeywords: Ethics, Organizational Ethics, Applied Ethics, Electronic Banking.,
Abstract :
Ethics in the banking industry has a wide range of applications that strongly influence the decisions of depositors, investors and borrowers. The main mission of banks is to adopt and establish optimal methods of supply, allocation and distribution of financial resources and expenditures at different levels of society in accordance with the needs of the future so that while conducting financial activities, not only morals in society are not damaged but also promoted. . The aim of this study was to identify the criteria and components affecting the ethical principles in the electronic banking system and in terms of method is among the qualitative research with an exploratory approach. For this purpose, after reviewing the literature, background and theoretical foundations of research, factors and criteria affecting the ethical principles in the country's banking system were identified and categorized. After performing the Delphi technique in three rounds, some components were removed from the adjustment list and the final model was prepared. The experts of this study consisted of 20 employees’ actives in the field of banking and electronic banking services who were selected from the statistical population by purposive sampling. In order to ensure the validity of the Delphi questionnaire, content validity and validity of the correctors were used, and for reliability, the theoretical saturation method was used. The result of this evaluation led to the confirmation and finalization of the general framework of the research conceptual model. Findings show that components such as customer confidential information, honesty and integrity, expertise and efficiency, customer orientation, voluntary responsibility, ethical responsibility, etc. are among the factors affecting the institutionalization of ethical principles in the electronic banking system. To be.
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