c



àÊ H1: Age. Younger generations (20͛s and 30͛s) are more likely to be ͚Innovators͛ of online banking
technology.

àÊ H2: Occupation. Consumers with higher social status (Professional and managerial) occupations are
more likely to be early adopters of online banking technology.

àÊ H3: Yearly income. Consumers with higher income are more likely to adopt online banking
technology.

àÊ H4: Size of household.Size of household effects adoption of online banking positively.

àÊ H5: Education background. Consumers who are better educated are more to be early adopters of
new technologies such as the online banking technology.

àÊ Hypothesis 6: An individual͛s attitude toward internet banking positively affects their intention using
the online banking technology.

àÊ Hypothesis 7: Subjective norm positively affects an individual͛s intention to use online banking.

àÊ H8: Usefulness positively affects consumer satisfaction towards online banking

àÊ H9: Ease of use positively affects consumer satisfaction towards online banking

àÊ H10: Reliability positively affects consumer satisfaction towards online banking

àÊ H11: Security positively affects consumer satisfaction towards online banking

àÊ H12: Continuous improvement positively affects consumer satisfaction towards online banking

àÊ H13: Satisfaction towards online banking positively effect customers͛ loyalty to using online banking.