داود رحيمي

The purpose of this study was effective factors of credit cards acceptance in view of consumers by providing new electronic business model in Iran . Data collection was done through a researcher-made questionnaire with 42 questions. After research in the research literature, the Delphi method (interview with experts) was identified as the primary factors. The sample of the study was 261 Bahman group employees Using Factor Analysis method, we reduce the number of factors and their classification and then use the Friedman method to rank the factors and finally to compare the variables and categorize existing information and identify the causes that have the most role in the formation of the disability They used the Pareto law. The results showed that the eight extracted variables in the credit card acceptance include: easy credit card purchases, ease of use of credit cards, credit card purchases of all payment methods, the impact of community members on the individual to use Credit card, the influence of relatives on a person to use a credit card, not using the card due to religious beliefs, the lack of use of the card due to the need to provide a check, the lack of use of the card due to the need for a reliable guarantor and the three effective factors in the Accepting credit cards in order of priority are: individual attitude, usefulness of use an‎d the ease of use. The results of this research can be used in strategic decisions of managers of banks and financial and credit institutions, insurance and social security organizations. The identification and prioritization of effective factors on credit card acceptance and the presentation of appropriate solutions to it is a matter of distinguishing this research from similar research. Keywords: Credit Card - Social Welfare - Retirement - Retirement - Insurance