Determinants of Internet Banking Adoption on Kurdistan Region of Iraq


  • Osman Durmaz Tishk International University, Business and Management Department, Sulaymaniyah
  • Zakho Barzan Tishk International University, Business and Management Department, Sulaymaniyah



internet banking, Kurdistan region, banks, traditional bank system, E banking system


Electronic banking, including internet banking, is a necessary condition for the development, and the country’s economic development, e-business, and society. In general, the aim of the article is to identify the factors exerting an influence on the use of internet banking in Kurdistan regain of Iraq. To do this, 145 data has been collected from the majority of people in this region. Based on the result it has been observed that as long as increases insecurity, political instability, and government support perhaps increases the trust dimension. This means that how a company can increase the willingness to use the internet banking system through those factors. how important are an electronic bank and internet bank to the country’s growth and help to Within internet banking there would be more transaction among traders and people? Internet banking decreases the need for cash in hand. in this study, we learn that internet banking needs perceived ease of use, trust, and government support were examined to determine if these factors are affecting internet banking adoption.


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How to Cite

Durmaz, O., & Barzan, Z. (2021). Determinants of Internet Banking Adoption on Kurdistan Region of Iraq. Black Sea Journal of Management and Marketing, 2(3), 65-76.