PATTERNS OF E-BANKING: A STUDY OF DUBAI RETAIL BANK CUSTOMERS
This study measured the intention of customers to adopt e-banking in Dubai and the extent to which certain factors impact e-banking adoption. Variables measured included perceived ease of use (PEU), perceived usefulness (USFL), perceived web security (PWS), and attitude (ATTD) of the users. Results show that PEU, USFL, and PWS have a direct and positive impact on customer attitude (ATTD). Results also show that a majority (41% or 26%) of the respondents strongly agreed or agreed respectively. Respondents reported that overall, the use of internet banking services is easy. Finally, a majority (44%) of the strongly agreed and agreed respondent reported that Internet banking is a safe (PWS) place to transmit sensitive data.
SAMUEL TESUNBI AND OLUWATUNMISE TESUNBI