摘要：Recently, e-banking has become increasingly important in banking activities. The main reasons include modern technologies, expansion of competition, needs for efficient and comfortable services, cost and economical changes. The aforementioned factors cause complexity, challenge, ambiguity and risk feeling in the customers who use electronic capabilities. The main goal in this paper is to study the adopted customers risk on the development of e-banking. Therefore, five groups of risk were identified as performance, security, rule (law), time and financial categories. Then their effects were surveyed from the study of the sub groups on e-banking acceptance. Based on an empirical study in the field of e-banking, the authors validated a measurement model used to evaluate the adoption of risks in e-banking, based on the following risks: performance, security, law, finance and time. Finally, the results showed a significant relationship among the recognized factors and the extent of the adopted risk in e-customers. As the demographic factor of customers affected the e-banking acceptance, it also affected the amount of adopted risks in using e-banking. Consequently, the findings demonstrate that the risk of applying 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 e-banking in this research. Findings show that the most important risk of acceptance in e-banking by customers in Iran as a developing country is the performance risk, and it must be related to the function of system servers or else, the situation of disconnection from the internet will occur while conducting online transactions because these situations may result in unexpected losses. The knowledge of these risks as major factors of consumers’ adoption and perception in the internet provides banks as a useful tool for the establishment of an effective quality management for their e-businesses.
