Document Type : Research Article (with quantitative approaches)

  1. . آمار و داده‌های عملکردی نظام پرداخت بانک مرکزی جمهوری اسلامی ایران http://www.cbi.ir/page/2484.aspx.
  2. Essinger, J. (1999). The Virtual Banking Revolution. Thomas business press
  3. Chinho L, Conghoang N. (2011). Exploring e-payment adoption in Vietnam and Taiwan, 51(4), 41-55.
  4. Garvin, D. A. (2007). The Competing on the Eight Dimensions of Quality. Harvard Business Review, 65(6), 42-65.
  5. Johneston R. (1997). Identify the Critical Determinants of Service Quality in Retail Banking: Importance and Effect. International Journal of Bank Marketing, 15(4), 111-114.
  6. Joseph, M., Irahim, E., Ibeh., K. (2006). The Customers perception of electronic service delivery in the UK retail banking sector. International journal of bank marketing, 24(7), 745-493.
  7. Mols, N.P. (2000). The internet and services marketing - the case of Danish retail banking. Internet Research: Electronic Networking Applications and Policy 10(1), 7-18.
  8. O'mahony, D., Peirce, M. & Tewari, H. (2001). Electronic payment for e-commerce. Edition S, editors: Artech House, Inc. Canton; 33 -48.
  9. Parassuraman A, Zeithaml V. A., & Berry L. L. l. (1991). Underestanding Customer Expectation of Service. Sloan Management Review, 32(3), 39-48.
  10. Parasuraman A, Zeithaml V. A., & Berry L. L. (1994). Reassessment of explanation as a comparison standard in measuring service quality: implication for future research. Journal of Marketing, 10(1), 5869-.
  11. Sevgi Ö., Gayani B. Ray H. (2010). Facilitating the adoption of e-payment systems: theoretical constructs and empirical analysis. Journal of Enterprise Information Management, 23(1), 30-50
  12. Banking automation, (2009). Bulletin, www.spinnaker.co.uk