| No | Electronic Barriers | Mean | Std. Deviation | t | P value at 5% |
| Total | 4.6566 | 0.34615 | 22.447 | 0.000 | |
| 1 | Unavailability of internet services | 4.5455 | 0.73855 | 9.815 | 0.000 |
| 2 | Poor infrastructure at the country | 4.6818 | 0.47673 | 16.547 | 0.000 |
| 3 | The complexity and difficulty of using electronic banking systems | 4.7273 | 0.45584 | 17.773 | 0.000 |
| 4 | slow internet speed | 4.8182 | 0.39477 | 21.602 | 0.000 |
| 5 | Continuous stop of ATM machines | 4.5909 | 0.59033 | 12.641 | 0.000 |
| 6 | Difficulty accessing ATM websites | 4.7727 | 0.42893 | 19.385 | 0.000 |
| 7 | Difficulty in dealing with electronic programs by bank employees | 4.8182 | 0.39477 | 21.602 | 0.000 |
| 8 | Customers’ concern about the security policy of electronic banking | 4.2273 | 1.19251 | 4.827 | 0.000 |
| 9 | Problems related to power outages | 4.7273 | 0.55048 | 14.717 | 0.000 |