Expansion of rivalry accompanied with the vast upheavals in the field of trade and banking has changed many traditional styles and has brought a competitive environment in using new technologies. Banking system neither was an exception in this subject and with emerging of modern concepts in banking, method of servicing the customers has changed at all over the world. Traditional methods which exist in the Iranian banks and their inadequacy in presenting new services, highlighted the necessity of this research which mainly concentrate on recognition of obstacles and solutions of electronic banking develop at the country within the framework of Islamic Republic of Iran twenty years prospective deed. This article would recognize the major reasons and obstacles of electronic banking at the country and for this reason after uniform sampling fraction; the research process took part there. The major obstacles are cultural- social obstacles, managing obstacles, economic-financial obstacles and technical- technological obstacles which with accomplishment of the research the first hypothesis which was based on existent of cultural- social obstacles and the second hypothesis which was based on existent of managing obstacles on the way of developing the electronic banking, were accepted. It’s mentionable that the third hypothesis which was based on economic- financial obstacles and the last hypothesis which was based on technical– technological obstacles in the way of developing the electronic banking system at the country were not accepted.