Constructs | Items | Adapted from |
Use of e-banking | US1: I often use e-banking to manage my account. US2: I often use e-banking to transfer and remit money. US3: I often use e-banking to make payments. | ( |
Usage continuance | UC1: I intend to continue using this e-banking. UC2: I will keep using this e-banking as regularly as I do now. UC3: My intention is to continue using this e-banking than using any alternative means. UC4: I intend to continue using e-banking rather than discontinue | ( |
Customer satisfaction | CS1: My overall experience of the e-banking is satisfying. CS2: My overall experience of the e-banking is pleasant. CS3: My overall experience of the e-banking is delightful. CS4: I am satisfied with e-banking effectiveness | ( |
Trust | TR1: I trust my bank to offer secure e-banking TR2: I find e-banking secure in conducting transactions. TR3: I find e-banking safe for receiving bank statements. TR4: I trust my bank to maintain the privacy of my transactions | (
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Perceived personal information protection | PI1: I believe my information is kept confidential PI2: I believe my privacy will not be divulged PI3: I feel secured to supply my data over the e-banking app (website) PI4: I believe that the bank will not expose my personal information to any third party. | ( |
Perceived transaction security | TS1: I believe my transactions are secured TS2: I do not hesitate to use e-banking for fear of making mistakes I cannot correct TS3: E-banking can be efficient and create fewer problems TS4: I am not worried to use e-banking as I know my transactions will be secured and safe. TS5: I do not entertain fear that the platform of e-banking will wrongly process my transactions. | ( |
Perceived time saving | PT1: Using e-banking is an effective way to manage my time PT2: Using e-banking would be convenient for me PT3: Using e-banking would allow me to save time PT4: Using e-banking would make transactions less time consuming | ( |
Service quality
| SQ1: The e-banking app is easy to navigate. SQ2: The e-banking app is well structured. SQ3: The e-banking app is easy to use. SQ4: The e-banking app is beautifully designed. SQ5: The e-banking technicians promptly respond to problems encountered with the e-banking | ( |
Perceived cost saving | PC1: I am happy with the price charges for performing e-banking PC2: Performing e-banking transactions is the right decision when price and other expenses are considered PC3: E-banking transactions are economical PC4: Using e-banking is cheap | ( |