The determinants of customer interactions with internet-enabled e-banking services

This paper empirically explores the major considerations associated with Internet-enabled ebanking systems and systematically measures the determinants of customer interactions with ebanking services. The results suggest that perceived usefulness, ease of use, security, convenience and responsiveness to service requests significantly explain the variation in customer interactions. Exploratory factor analysis and reliability test indicate that these constructs are relevant and reliable. Confirmatory factor analysis confirms that they possess significant convergent and discriminatory validities. Both perceived usefulness and perceived ease of use have significant impact on customer interactions with Internet e-banking services. Perceived security, responsiveness and convenience also represent the primary avenues influencing customer interactions. In particular, stringent security control is critical to Internet e-banking operations. Furthermore, prompt reactions to the service requests from customers should encourage them to use Internet e-banking services. The findings have managerial implications for enhancing extant Internet e-banking operations and developing viable e-banking systems and services.