“…The result provided evidence of the relationship that exists among the perceptions, the personal characteristics of the respondents and the organizational characteristics of their banks. Abadi and Nematizadeh (2012), Ahmadi and Afrouzi (2012), Azad, Abbaszadeh, Rikhtegar and Asgari (2013), Azad, Seyedaliakbar, Mousavirad and Mousavirad (2013), Esmaeili, Nazarpoori and Najafi (2013), Sanayei & Saneian (2013), Zadeh, Zangeneh and Azad (2014), Asgari, Ahmadi, Shamlou, Farokhi and Farzin (2014), Esmaeili and Horri (2014), Alikhani and Davarzani (2014), Shaemi and Saneian (2014), Yousefi and Nasiripour (2015), Arayesh (2015).…”