| No | Cultural Barriers | Mean | Std. Deviation | t | P value at 5% |
| Total | 4.3636 | 0.58913 | 10.857 | 0.000 | |
| 1 | Weak of educational level of the bank’s customers | 4.8636 | 0.35125 | 24.886 | 0.000 |
| 2 | Lack of knowledge of dealing with computers among customers | 4.9091 | 0.29424 | 30.432 | 0.000 |
| 3 | Lack Customers knowledge in internet | 4.6818 | 0.56790 | 13.891 | 0.000 |
| 4 | The mental image of electronic banking services in society | 4.3636 | 0.90214 | 7.090 | 0.000 |
| 5 | Lack of awareness of the importance of using electronic banking for clients | 4.4545 | 0.96250 | 7.088 | 0.000 |
| 6 | Customer distrust in electronic banking | 4.3636 | 1.09307 | 5.851 | 0.000 |
| 7 | Difficulty with the language used on the website | 3.7273 | 1.35161 | 2.524 | 0.020 |
| 8 | Lack of knowledge of dealing with smart phones among customers | 4.0000 | 1.34519 | 3.487 | 0.002 |
| 9 | Customers’ concern about giving private information | 3.9091 | 1.34196 | 3.177 | 0.005 |