constructs

items

wording

Perceived usefulness

PU1

PU2

PU3

PU4

PU5

E-Banking services enable users to complete banking activities more quickly and easily?

E-Banking service is convenient in terms of time?

E-Banking service is convenient, in terms of 7 days and 24-hour services, to access bank account and?

E-Banking service is more accessible to users than visiting a bank?

The transactions in any of the E-Banking services are at a lower price, or at no cost?

Perceived ease of use

PUE1

PUE2

PUE3

PUE4

PUE5

E-Banking makes it easier to do banking activities?

In the case of mobile and agent banking, consumers can simply use their cell phones to access banking services?

E-Banking is simple to use from the bank’s perspective to complete banking tasks?

When launching E-Banking services to the extent predicted, the bank’s management offers training courses for its employees…?

Using E-Banking systems simplify the activity of workers to deliver service to customers?

Perceived risk

PR1

PR2

PR3

PR4

Customers of our bank fear risk to use E-Banking?

Lack of confidence with the security aspects considered as challenges for the adoption of e-bank?

In the case of using E-Banking, security risk affects user’s decision to use the system?

Lack of trust is considered as challenges for the Adoption of E-Banking system in Somalia?

Perceived credibility

PC1

PC2

PC3

PC4

The bank I deal with always keeps its promises?

My Bank employees and I have a close and friendly relationship?

My bank makes very few mistakes when it comes to my bank transactions?

My bank is always willing to assist me in any way I need. Definitely, I’ll tell a friend about it?

Adoption of e-banking

E-B1

E-B2

E-B3

E-B4

Customers prefer face-to-face banking service over internet banking services?

What are the benefits gained by your institution from the Adoption of ATM, internet banking, mobile and agent banking system in the delivery of service to customers?

What are the key factors that push your institution to adopt ATM, internet, mobile and agent banking system?

What are the advantages/reasons that you consider in implementing E-Banking system?