| No | Regulatory Barriers | Mean | Std. Deviation | t | P value at 5% |
| Total | 3.747 | 0.763 | 23.036 | 0.000 | |
| 1 | Weak efficiency of those in charge of providing electronic services to customers | 2.7273 | 1.45346 | 8.801 | 0.000 |
| 2 | Resistance to change due to fear of additional responsibilities for bank employees | 3.2727 | 1.16217 | 13.208 | 0.000 |
| 3 | Workers fear losing their jobs due to the expansion of electronic banking | 3.7273 | 1.07711 | 16.231 | 0.000 |
| 4 | Workers’ fear of losing the relationship with customers by using electronic banking instead of face-to-face treatment | 3.3182 | 0.99457 | 15.649 | 0.000 |
| 5 | Weak effective leadership that supports the adoption of electronic banking | 4.0455 | 1.13294 | 16.748 | 0.000 |
| 6 | The weak role of banks in raising customer awareness about electronic services | 4.3636 | 0.90214 | 22.688 | 0.000 |
| 7 | Lack of clarity of legal protection procedures in electronic transactions | 3.9091 | 1.10880 | 16.536 | 0.000 |
| 8 | The pattern of the organizational structure followed that is not supportive of the adoption of electronic banking | 3.8636 | 1.24577 | 14.547 | 0.000 |
| 9 | Bureaucratic procedures that hinder the speed of implementation of electronic transactions | 4.5000 | 0.85912 | 24.568 | 0.000 |