An Empirical Assessment of Internet Banking Systems

This paper examines the use of Internet banking systems and several critical factors related to Internet banking services. The analysis suggests that the constructs tested considerably explain the variation in customer interactions. Perceived usefulness and perceived ease of use are important in facilitating customer interactions. Perceived security, responsiveness and convenience also represent the primary avenues affecting customer interactions. Security requirements in terms of stringent authorized access, confidentiality, and serious security procedures are fundamental to secure electronic banking operations and financial transactions in virtual environments. Moreover, a prompt responsiveness to service requests should enhance customer confidence in Internet banking services.