Secure and User-Friendly E-Banking: A Business Model Analysis

This study aims to evaluate consumers' overall perceptions of the E-Banking business model based on the characteristics of two key performance indicators: user feasibility and secure transactions. Clients responded using a Google form asking about five aspects of their experience with online banking: overall impression, service quality, confidence in security protocols, trust in network security, and security measures. Using this gathered information, regression analysis was performed with the dependent variable being the overall perception of e-banking and the remaining factors being the independent variables. The findings demonstrated the importance of service quality and network security trust in influencing consumers' general perceptions of the e-banking business model. The findings have significant ramifications for policymakers, investors, bankers, emerging economies, and portfolio managers.