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With the launching of the internet, the world has become a smaller one.
• The opening of the Saudi banking market to global markets is certain (This will open up our banks in the face larger
institutions with more experience, and the ability to put endless options of financial services before their customers and its
suppliers.)
• The common motivation for banks to implement e-banking is to provide a faster, easier, and more trusted, service to
clients.
• E-banking may also provide other benefits. For instance, creating new markets, and reducing operational costs,
administrative costs
The main focus of this study is to examine the performance, problems, and outlook of E-banking in the local market.

3 from the bord

• Ben-Jadeed makes use
a combination of case study approach as research methodology and network approach as
theoretical framework specifically on Saudi banks.
• Naimot Folake Popoola et al. 2015,
studied the strategic approach to build customers trust in adoption of internet banking in Nigeria.
The findings provided insight into the strategies used by Nigerian banks to build
customers trust in acceptance and usage of internet banking.
• Abdullah Saleh, 2013
measured the competitive of National Commerce Bank (NCB) of Saudi Arabia, and its role in
adapting to competition by concentrating on its marketing strategies.
• 4 Tamimi and Salah, 2002,
• titled, "Banks Electronic Future that has become a Reality” shed light on the services, and
electronic banking provided by the Jordanian banks to their customers.
• Ayman N. Alkhaldi 2016
• studied the adoption of mobile banking in Saudi Arabia: an empirical evaluation study.
• The results recommend that governing regulations and policies should be properly
identified and put in place, and offer that banking decision-makers in Saudi Arabia should
re-evaluate their bank’s strategic plans.
11- Their trust based on when and if the bank comes to their help when they make
mistakes in online banking was surveyed:
About 35 % were neutral about this help from the bank; 28 % agree; 12% disagree;
10% strongly agree and 15% strongly disagree.
Overall the Bank is more trusted and this give bank high opportunity in terms of
introducing a new online system.

• 12-resulte

• the research questions answers show different customer perspective towards E-

Banking. based on the statistical analysis and the results of the study, a number of

Results can be drawn.

• First: the results of the study revealed that perceived benefit and perceived ease of use

has a positive and significant impact on customers' attitude toward electronic banking

services.

• Second: the result showed that one cultural dimension has a positive and significant

impact on perceived usefulness and perceived ease of use.

•13-Third: the results revealed a positive and significant impact of perceived risk on the
conclusion
The modern attitudes
customers' world digital economy banking
to use electronic requires, that Kingdom of Saudi Arabia
services.
should develop strong e-banking system. This process requires, in addition to
different types of infrastructure, positive reaction and adoption from
customers side, otherwise e-banking will not able to achieve its goals as an
important channel in new digital local and global economy.
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Research methodology: measure the efficient of e-banking services
• This study aims to answer the following: ‫كملي قراءه الباقي من البورد‬

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Based on mean scores, online users of internet banking have generally been satisfied with
services provided by the banks in Saudi Arabia. It is encouraging to find that the users of
internet banking services have been more satisfied with such variables as protection of banking
information, personal information and feeling a sense of security
The result reveals that :continue from the board
7- The survey was done to measure the efficiency of e-banking services from the customers‟
perspective 45 % of the respondents strongly agree that e-banking allows them to accomplish all
their banking activities; 25 % agree; 5 % are neutral; 10 % disagree while 15 % strongly disagree.

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From these results, it could be said that their different perspective from
the customers about the efficiency of the e-banking services.
1. there are a number of the customers‟ who are not satisfied with the
e-banking services.
2. the quality of the communication with bank still low regarding to the non-efficient of the
feedback feature.
However, some of the outcome shows that the majority of the customers are more likely to adopt
with the e-banking.

10-

ANOVA Test is run to check the significance for this question:

Assuming that there is no error in ANOVA Test and the significant value as calculated above is
0.000, this indicates that perceive ease of use significantly affect customer adoption of banking
system in Kingdom of Saudi Arabia.