In this paper, we present an empirical study for ranking different barriers on developing e-business in one of the free zones called Kish Island in. This Island is located in south part of Iran and it is one of the most beautiful free zones of this country with tremendous opportunities for tourism industry. The proposed study gathers important factors in five different groups of economical, social and cultural, political, technology and software packages. In each group, decision makers determine various influencing factors and after three rounds of brainstorming, analytical hierarchy process is used to rank these factors. Based on the results, the lack of a good infrastructure (0.206), the lack of good culture among ordinary people to use e-businesses (0.205), the lack of good knowledge on internet services among ordinary people (0.204) are some of the most important factors preventing e-business in this region.

The focus of this research is on assessing the quality of services of Tehran’s Saman bank and the available gap between customer’s expectation and perception. Also the relationship between customer’s satisfaction and each dimension of service quality (ie: reliability, tangibility, responsiveness, assurance and empathy) and ranking them accordingly, is investigated. The statistical population of this research is consisted of Tehran’s Saman bank customers. The research methods of this study are descriptive-survey as well as correlation. The statistical approaches of this study are correlation, t-student as well as Friedman tests. The results from a sample of 276, shows the service quality dimensions affect customers & apos; perception based on SERQUAL. In addition, there are significant relationship between customers & apos; perception and their satisfaction of the offered services. However, there are negative gaps between customers & apos; perception and their level of expectation.