Investigating factors affecting customers' trust in the use of electronic banking of Abhar Cooperative Development Bank

The current research has been conducted with the aim of investigating the factors affecting customer trust in using electronic banking services of Abhar Tose'e Ta'avon Bank. This research is considered applied in terms of its objective and uses a survey method for data collection. The purpose of this article is practical and it used the survey method or questionnaire to collect research data.The statistical population of the study consisted of all customers of Abhar Tose'e Ta'avon Bank who have used electronic banking services. The sample size was estimated to be 384 individuals using Cochran's formula for an infinite population. The hypotheses of the research were tested through structural equation modeling using LISREL software. The results showed that perceived security, social penetration, individual skills, and perceived compatibility have a positive and significant impact on trust in electronic banking services. Furthermore, the results indicated that perceived security has a positive and significant effect on social penetration and individual skills. On the other hand, social penetration and perceived compatibility play the role of mediator variables in the relationship between perceived security and individual skills with trust.Keywords: perceived compatibility, perceived security, individual skills, social penetration, trust.