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urveys and questionnaires. In this study data is collected by questionnaire which is filled by customers. The researcher was there to assist the customers as well in filling the questionnaire because if someone finds a difficulty in filling the questionnaire or is confused about a question, the researcher can explain the question to them to get the accurate and free of error results.

SAMPLING

Sampling is crucial for analysis. You cannot study every one every where doing everything (Miles et al., 1994)49. The idea of sampling is to get results which represent whole population although we don't go to every single person, although there is no guarantee that it would be perfect. The sample for this research is formed by following the rules of the purposive sampling of non probability. The Purposive technique was employed due to the requirement of data. In purposive sampling we might chose people who belong to a particular group or those who represent a diverse perspective on an issue (Leedy et al, 2005)44. When the target respondents are limited this is a most appropriate technique. So that is the way sample is collected and people using online banking are approached.

QUESTIONNAIRES

The question construction is really an art (Miles et al., 1994)49. The questionnaire is designed with great care under the guide lines provided by (Miles et al., 1994)49, Fisher et al., 2004)28,and (Leedy et al., 2005)44 . It follows the objective of the research. Closed ended questions are used in the survey due to limitation of time and budget. To minimise the problem of biasing, statements are mostly used rather than questions. Another possible problem in a survey could be the response set. To avoid these problems related questions are arranged quite a distance from each other.

LIKERT SCALE

To evaluate the degree of response by the online banking customers researcher has used the Likert scale to measure the opinion of the respondents. Rensis Likert was the first one who formed this rating scale to evaluate the people's attitude. A five point's scale is used in this research. One of the positive aspects of using this scale is that the respondent can have a choice of choosing from five different levels of behavioural choices starting from strongly agree till strongly disagree. Table below explains the five point's scale in further detail.

ETHICAL ISSUE

Qualitative data analysis is not only a technical matter. Researchers should not only focus on producing knowledge .Researchers must also consider the rightness and wrongness of their action (Miles et al., 1994)49. There is not defined set of ethical guide lines usable by qualitative researchers across a range of disciplines. However there are already some guide lines provided by the authors and the researcher adapted the utilitarian approach described by Miles (Miles et al., 1994)49 to avoid any ethical problems. All the participants have been given sufficient information about the purpose of the survey. Although this thing was kept in mind that the information provided to the participants about research was limited. This is to prevent the dilemma of bias. If participants are given to本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。