... of electronic banking. Virtual banking Shops Over the last ten years the internet has changed the rules for practically all industries, including the banking sector. The number of websites offering banking services has grown rapidly using the new channels for transaction and communication offered...

... financial transactions. Hence, we hypothesised that: H3. Perceived usefulness of online banking services has a positive influence on online banking services use. © Emerald Group Publishing Limited 2009 Trust Risk management User interfaces Virtual banking Product...

... to customers (Jayawardhena and Foley, 2000). In short, with the popularity of the internet and the changing needs of customers, banking services have been undergoing tremendous transformation with banks resorting to providing internet banking. Internet Customer services quality Virtual banking Saudi...

... and trust, amongst others, in the online banking context. Data security Privacy Trust Commitment Virtual banking In general, we may define the concept of usability as the effort required to use a computer system. For instance, Nielsen (1994) suggests that usability concerns several...