Component

Item

1

2

3

4

5

6

Perceived Usefulness

I think that using the electronic banking services would enable me to accomplish my tasks more quickly

0.844

I think that using the electronic banking services would make it easier for me to carry out my tasks

0.887

I think the electronic banking services are useful

0.755

Perceived Ease of Use

I think that learning to use electronic banking services would be easy

0.762

I think that interaction with electronic banking services does not require a lot of mental effort

0.860

I think it is easy to use electronic banking services to accomplish my banking tasks

0.653

TRUST (Safety, Security and Credibility)

The reputation and size of the bank provides assurance of online banking integrity

0.804

I am quite certain what to expect from online banking information system

0.617

Online banking facility offers secure personal privacy

0.825

I believe that online banking system would act in my best interest

0.766

Online banking system keeps its promises and commitments

0.779

The banking devices of the online banking web site protect the data that are sent by me

0.643

Attitude To E-Banking

Using electronic banking services is a good idea

0.795

I like the idea of using electronic banking services

0.684

Using electronic banking services is an exciting idea

0.610

Intended Behaviour

I intend to use online banking information system as often as needed

0.708

I will use online banking on a regular basis in the future

0.716

Based on my experience, I am very likely to return to use online banking facility

0.747

Provided that I may have access to online banking system in future, I will use it

0.817

Actual Behaviour

I have used E-Banking often in the last 30 days

0.910

Eigen Value

16.468

16.01

13.83

11.519

11.208

6.843

Variance Explained (64.689%)

8.614

2.032

1.724

1.032

1.021

1.011

Cronbach Alpha

0.924

0.809

0.837

0.862

0.889