(3)
Karjaluoto et al. (2002) investigated the effect of various factors on the formation of
attitudes about online banking in Finland. They determined the variables that impact
the formation of attitudes regarding online banking and their relation to the use of
online services using factor analysis. The study found that prior computer and
technology experience, as well as demographic factors, have a significant impact on
consumer behavior.
Another study by Liao and Cheung (2002), used survey data and regression analysis
to investigate consumer attitudes towards online banking transactions. They found
that individual expectations regarding accuracy, security, network speed,
user-friendliness, user involvement and convenience were the most important quality
attributes in an online banking transactions.As the security of personal data and the
reliability of the bank have been recognized as important factors, security and privacy
to the acceptance of online banking has been noted in many banking studies. To be
more precise, privacy and security were found to be significant on the customer’s
attitude towards online banking.
Cybersecurity is considered the central operational risk of online banking
transactions. .Online banking users usually perceive risks in conducting online
transactions, particularly if the transactions involve financial aspects. Many studies
concluded that customers are afraid of security issues (Howcroft et al., 2002; Sathye,
1999; Hamlet&Strube, 2000) The security assurance gap implies to the gap between
the promised level of security to customers and delivered privacy and security by the
bank website. Security of Internet banking is one of the major concerns that affects
customers when using e-banking. Customer confidence on e-banking depends mainly
on the level of security promised by the OBSP in protecting personal information
and/or deal with preventing unauthorized transactions/access (Chiu et al., 2016).
.https://www.academia.edu/66580483/Consumers_perspectives_on_online_banking_s
ervices
https://core.ac.uk/download/pdf/6492899.pdf
https://www.sciencedirect.com/science/article/pii/S1018363918302435