gender differential paper IJCRB

ijcrb.webs.com
JUNE 2011
INTERDISCIPLINARY JOURNAL OF CONTEMPORARY RESEARCH IN BUSINESS VOL 3, NO 2
differences are small, it is found that decision tree is a very powerful tool in predicting the
success or failure of an organization in providing electronic services. Compared with other
techniques of data mining, this technique is widely used in various areas; therefore the
decision tree is very strong for data distribution and measurement. And according to the
results, the ninth hypothesis is confirmed, i.e. by using a decision tree model success of an
organization in providing electronic services can be predicted.
7- Conclusion:
This study has attempted to help identification of some of the characteristics of internet
banking service that encourage customers to use internet banking. According to the presented
research literature, researchers such as Cho and Park (2002), Lee et al. (2007) and Loonam
and O’ Loughlin (2008) have achieved these results that the degree of customization,
professional knowledge effect, the degree of interactions, Geographical accessibility, the
degree of vitality for the customer, the degree of importance of human resources, necessity of
membership relation and price affect on the acceptance of internet banking by customers.
The results of this study also confirm widely the results expressed by these researchers
except the influence of geographical accessibility which was not confirmed in considered
population. This shows the high creditability of the research. Then data collected were used
to develop a predictive model using a decision tree and the results showed an excellent
accuracy of predictions. The results of this research will help to predict online success
judging by accepting customers and to facilitate better understanding of ways of future
adoption of Internet banking services. These findings, confirm the results of work done by
Lee et al. (2007) in Korea. So it is recommended to the organizations that provide services
through the Internet or are planning to make their services fully online to determine correct
and proper conditions for the adoption of e-commerce and the factors that will facilitate or
prohibit them to migrate from traditional physical channels to the internet and then to use
decision tree prediction model to predict their success or failure that has less error than
conventional methods.
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