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The main objective of the study is to test a model of e‐learning effectiveness. The data were collected from 125 subjects enrolled in the Institute of Banking Studies (IBS) at the State of Kuwait. The study results indicate that attitudes toward e‐learning systems explained a significant portion of variance in satisfaction with the systems. The results indicate also, that both attitudes toward and satisfaction with the e‐learning systems explain a significant portion of the variance in organization and individual performance. The current results indicate the special potency of the attitude toward the e‐learning systems flexibility and relevance in predicting both satisfaction with the systems and performance. The study indicated the need to test causal models and included a discussion of the implications and directions of future research.

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