عنوان مقاله [English]
This article expands the theory of technology transfer in banking. The purpose of this research is to identify and rank the barriers to technology transfer in housing and national banks of the country. Based on this, first, barriers to technology transfer as well as barriers to establishing electronic banking are identified based on theoretical literature and experts' points of view. Hierarchical analysis process method and 80 experts' opinions during the first 6 months of 2019 were used to rank these criteria. The identified barriers are: organizational barriers (supportive, unsustainable, and value), human barriers (management skills, human skills, innovation, and employee knowledge), technical barriers (complexity, legal, and financial), and barriers Information (cost of information, communication, and inappropriate choice of technology). Content validity ratio is used for validity analysis. This ratio is greater than 0.33 for all sub-criteria. The results have shown that technical obstacles with a weight of 0.393 are the most important obstacles and organizational obstacles with a weight of 0.177 are the least important. Among the sub-criteria, financial obstacles with a weight of 0.183 are in the first priority and non-sustainable obstacles are in the last priority with a weight of 0.029. In this research, the literature of technology transfer has been used to evolve the literature of electronic banking implementation, and the classification of barriers to technology transfer in banks in this way has not been discussed in the research literature so far. In addition, prioritization has been done in housing and national banks.