Online banking has emerged as one of the most profitable e-commerce applications over the last decade. This study investigates which factors affect the adoption of Online banking in Isfahan province of Iran. We developed a theoretical model based on the Technology Acceptance Model (TAM) with theory of planned behavior (TPB) model. We designed a questionnaire and used it to survey a randomly selected sample of customers of national bank of Iran. A total of 500 pieces of questionnaire papers are given out to the community randomly. However those questionnaires that not fill in properly and completely have been taken out. Hence, the actual sample used for the study is 349 respondents. We analyzed the data using Structured Equation Modeling (SEM) to evaluate the strength of the hypothesized relationships; the results provide support of the integrated TAM and TPB models and confirm its robustness in predicting customers' intention of adoption of online banking. The results indicated that the intention to use online banking is positively affected mainly by perceived behavioral control and perceived usefulness.
Information and communication technology has become an inseparable part of human life and caused doing things more through the consumption of less time and cost. The present research aims to study the effect of information and communication technology on the educational improvement of third grade high school students in Khash-Iran . The research was a descriptive survey. The population included the third grade high school students of Khash city who were about 1900 people studying in 35 educational units in 2010. The sample size was determined using Kirgizia and Morgan statistical tables and was determined to be 320 people. Random multistep method was employed for sampling among male and female students in proportion with the community size. A researcher-made 24-quenstion questionnaire with a grading scale of Likret type was used for data collection whose validity and reliability was confirmed by Cronbach's α . The method of measurement type was used for data analysis; frequency distribution table, frequency percentage and diagram drafting were used descriptive statistics section, The Khi (chi-square), U Mann -Whitney and Kruskal-Wallis statistical tests were used in inferential statistics section with regard to the measurement scale. SPSS was used to analyze data. Research findings reveal that using information and communication technology is effective in increasing educational motivation, improving questioning skill, improving research spirit and raising school marks. It is generally effective on third grade high school students' educational improvement to a great extent. This effect was the same among male and female students with different average scores, ages and fields. However, its effect on vocational and high schools students was different.
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