INDEPENDENT UNIVERSITY BANGLADESH

COURSE ID: BUS 485

GROUP NUMBER: 02

1. Kazi Nabid Alam 1210003

2. Naznin Jahan Sharan 1220829
3. Md. Walid Jessen 1210336
4. Md. Salman Tarek 1220842
5. Hasmoynul Nishad 1320620
Personal Information:

1. Gender
Male

Female

2. Age (years)

2130 years
3140 years
4150 years
51 and above

3. Income (BDT) )

Below BDT 8,000

BDT 8,00015,000

BTD 15,00120,000

BTD 20,00130,000

BTD 30,00140,000

BTD 40,00150,001

BTD 50,001 and above

Self-efficacy:

Strongly Agree No Disagree Strongly

agree Opinion disagree

1. I feel comfortable using online

banking services on my own.
1 2 3 4 5
2.I would be able to use the
onlinebanking service even if there is no
one around to help me.
1 2 3 4 5
3. I can quickly master the online
banking system by observing how other
people use it.
1 2 3 4 5
4. I can find solutions when I have any
problems using online banking services.

1 2 3 4 5

Expertise

Strongly Agree No Disagree Strongly

agree Opinion disagree

5. I am familiar with the online banking

services.
1 2 3 4 5
6. I know a lot about the online banking
services
1 2 3 4 5
7. I have a clear idea about which
characteristics of the online banking
services are important in providing me
satisfaction.
1 2 3 4 5
8. I used to read information brochures
about my online banking service operator
1 2 3 4 5
9. I used to read information brochures
about theonline banking service industries.
1 2 3 4 5
Technology anxiety

Strongly Agree No Disagree Strongly

agree Opinion disagree

10. I am confident of being a pioneering

user of the online banking service. 1 2 3 4 5
11. Learning to use the new online
banking services is exciting. 1 2 3 4 5
12. I am worried I might rely on the
online banking services too much once I
learn how to use it. 1 2 3 4 5
13. I am worried I might lose important
information by pressing a wrong key. 1 2 3 4 5
14. I am worried I might lose important
information by pressing a wrong key. 1 2 3 4 5

Behavioral introspection

Strongly Agree No Disagree Strongly

agree Opinion disagree

15. I tend to forget my personal

belongings when I go out, and
therefore it is likely for me to lose my
cell phone. 1 2 3 4 5
16. It is very likely for me to lose my cell
phone when I go out. 1 2 3 4 5
17. I have many bother some
experiences of losing my personal
belongings when I go out. 1 2 3 4 5
18. I often lose track of important
information (such as my friends phone
numbers) because I lose or change my
cell phone. 1 2 3 4 5
19. I do not feel like using new
technologies because it is easy for me
to forget where I left my cell phone 1 2 3 4 5
Website:

Strongly Agree No Disagree Strongly

agree Opinion disagree

20. The website of my bank is

comprehensive 1 2 3 4 5
21. The design of the website of my
bank is attractive. 1 2 3 4 5
22. The website of my bank is always
updated. 1 2 3 4 5
23. The website of mybank is
convenient and quick to load and easy
to use. 1 2 3 4 5
24. My banks website provides details
when bank charges apply. 1 2 3 4 5

Trust:

Strongly Agree No Disagree Strongly

agree Opinion disagree

25. I think the bank supplier who

provides online banking services is
trustworthy.
1 2 3 4 5
26. I think the bank supplier who
provides online banking services will
do everything in their capacity to
protect the subscribers rights.
1 2 3 4 5
27. I think that the bank supplier who
provides online banking services will
do everything to secure the
transactions for users.
1 2 3 4 5
28. I think the bank supplier of the
online services is capable of
overcoming all kinds of technical
difficulties.
1 2 3 4 5
 29. I think the bank supplier who
provides online banking services will
do everything to help users in case of
problems.
1 2 3 4 5
30. I am sure that certain managerial
and technical procedures exist to
protect my personal information. 1 2 3 4 5
31. Online banking customers trust
affects the demand.
1 2 3 4 5
32. I trust my bank because my bank
maintain privacy for customers.
1 2 3 4 5
33. I trust my bank as it provides
excellent online banking services.
1 2 3 4 5

Security

Strongly Agree No Disagree Strongly

agree Opinion disagree

34. I am skeptical about the security

mechanism of online banking services. 1 2 3 4 5
35. I am worried that my account
information might be stolen by other
people. 1 2 3 4 5
36. I do not believe the design of the
online banking system can actually
provide security and privacy 1 2 3 4 5
37. I think the risk is much higher using
online banking services than using real
banks. 1 2 3 4 5
38. I consider it safe to do financial
transactions over the online system. 1 2 3 4 5
39. I think all electronic transactions
should be closed with receipts in the
form of hard copies as a final
confirmation. 1 2 3 4 5
40. Banking company should provide a
latest encryption technology to secure
online transaction. 1 2 3 4 5
41. I will not feel secure sending
financial information unless banks
provide safeguard my account. 1 2 3 4 5
 42. I need a secure communication
access through online banking website. 1 2 3 4 5
43. I will not feel secure if bank update
operating systems. 1 2 3 4 5
44. I will not feel secure if bank protect
my personal information.
1 2 3 4 5

Perceived behavior
control:

Strongly Agree No Disagree Strongly

agree Opinion disagree

45. I think I can use the online banking

services effectively. 1 2 3 4 5
46. Using the online banking service is
entirely within my control. 1 2 3 4 5
47. I would be able to use the online
banking service well. 1 2 3 4 5
48. I think it is easy for me to access the
necessary tools and resources in order
to use online banking services. 1 2 3 4 5

Convenience:

Strongly Agree No Disagree Strongly

agree Opinion disagree

49. I value the convenience of using the

online banking service. 1 2 3 4 5
50. Using the online banking service is
an efficient way to manage my time. 1 2 3 4 5
51. I think the convenience of online
banking services can keep me out of
many unnecessary hassles. 1 2 3 4 5
Customers Perception:

Strongly Agree No Disagree Strongly

agree Opinion disagree

52. My parents, my friends and another

third party encourage me to do online
banking transaction because they have
a positive perception of online banking. 1 2 3 4 5
53. My perception on online banking is
positive because I receive enough
information about online banking
service from my bank. 1 2 3 4 5
54. I have a positive perception of the
online banking service of my bank since
I can access it anytime and anywhere. 1 2 3 4 5
55. Because of easy access of
information on products and services, I
perceive the online banking services of
my bank convenient. 1 2 3 4 5
56. I am highly interested in trying out
the online banking system. 1 2 3 4 5
57. I think I will use online banking very
often, even more so than the real
banks. 1 2 3 4 5
58. I will recommend online banking to
my friends. 1 2 3 4 5
59. I am willing to use online banking as
long as the cost is reasonable. 1 2 3 4 5
60. I will use online banking when it is
popular. 1 2 3 4 5
61. I am among the first ones to employ
the online banking services. 1 2 3 4 5
62. I want to be among the first ones to
experiment with online banking
services. 1 2 3 4 5
63. I use, when possible, online banking
services instead of traditional banking
services. 1 2 3 4 5

Thank You