Overview

According to Komal (2009), Electronic banking is an umbrella term, the process by which a customer may perform banking transactions Electronically without visiting a brick-and-mortar institution/traditional branches. Electronic banking includes; personal computer(pc) banking, internet banking, online banking, home banking, remote electronic banking, phone banking, and internet or online banking and they are also the most frequently used designations. Personal computer banking is a form of electronic banking that enables customers to execute bank transactions from a PC via a modem. In most personal banking ventures/transaction, the bank offers/give the customer's proprietary financial software program that allows the customer to perform financial transactions from his or her home computer/customer can get financial services at home. The customer then dials into their bank with his or her modem, downloads, and runs the programs that are resident on the customer's computer. Researches on how customers perceive and evaluate the quality of these electronic portals/types (ATM, POS, Mobile Banking internet banking, .etc) are still ongoing (Parasuraman et al., 2005; Loonam & O'Loughlin, 2008; Chong et al., 2010). In today's winning banks, those that will be around in the coming decades are realizing that only satisfied customers will be loyal.

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