Factors Affecting Customers' Acceptance of Wahda Bank E-Service in Libya

Abstract

This study aims to identify and analyze factors that are affecting customers’ acceptance of Wahda online banking services in Libya. The study group sample was 250 of E-banking users, who were chosen randomly by the authors of this research. The study concluded that there was a considerable effect of Age Factor, E-Service Quality, E-Service Complexity, E-Service Skills and E-Reliability on the adoption of E-Banking services. Age Group Factor was the most effecting element on Libyan Wahda Bank Online Customers’, while E-Security issues were surprisingly the least influential factor. This study proved the importance and effectiveness of the of the following E-Service quality dimensions: E-Banking Ease of Use, E-Efficiency, E-Design, E-Cost Effectiveness, E-System Failure and denied the existence of the effect of E-Data Protection concerns on Customers’ adoption of E-banking services