Recognizing and Prioritizing Barriers of Using Points of Sale (POS) Devices in Saderat Bank of Bandarabbas City

Now، use necessary of information and communication technologies in the banking industry and especially in the systems of transferring funds، has understood well and following that، actions are doing such as use of point of sale devices، ATM devices، telephone banking، internet banking and …. Despite this، there are many barriers and problems in the way of establishing and developing electronic banking and especially systems of transferring funds in point of sale. The purpose of this study is recognizing and prioritizing barriers of effectiveness points of sale devices in Saderat bank of Bandarabbas city. This research is applied in view of aim، method of data collection is survey. The main tools for collecting research data are questionnaire and interview. Statistical research community is all pos devices recipients of Saderat bank in Bandarabbas city that their exact statistics according to Hormozgan Saderat bank computer unit are 3980 center. Content validity of the questionnaire was confirmed by teachers and experts and reliability of questionnaire was obtained through Cronbach’s alpha value of 0. 833، which shows the high reliability of the questionnaire. Obtained data from 350 questionnaires are analyzed with SPSS software and using descriptive statistic، one sample t-test and Freidman tests. The results of this study showed that recognized barriers are technical – technological، cultural-educational، managerial-organizational and financial-commercial. Recognized barriers prioritized with Friedman test that technical - technological factors are more important than other factors.