The Study of Barriers and Challenges of Core Banking Implementation in Banking System of Iran and India (E-Banking Predisposing)

This study attempts to identify the main reasons and barriers of core banking development in banking system of Iran and India, and for this purpose, the research process was implemented after proportional stratified random sampling. The Present study is descriptive-analytical type and the method of research is causal–comparative that has been performed in survey mode. It should be noted that Ferguson's theory has been considered as the theoretical frame work for the present study. And, descriptive statistics and society mean (average) calculation have been used in data analysis. Based on comprehensive review on related thematic literature; organizational barriers, financial barriers and technology barriers are main identified obstacles. According to performed studies, it is concluded that organizational factors as the first and most influential factor and afterward technological factors and ultimately financial factors respectively in Iran and financial factors as the first and most influential factor, afterward technological factors and ultimately organizational factors respectively in India have influenced on improvement and implementation of core banking.