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internet etc. For example Polatoglu and Ekin (2001) studied about online usage in Turkey and found the same reasons as described above for the low level of usage of online banking. They found that ignorance to the usage of email system and preference of doing everyday banking at bank branches are some of the main reasons of low level of adoption of online banking in Turkey. So as a result e-banking is not that famous and in use in Turkey.

Risks Associated with Electronic Banking

Now it is time to discuss the risk factor included in the usage of electronic banking. Now we are going to discuss that although customers are getting a lot of benefits by using online banking services but by using online services they are exposing them to a number of risks that should be considered before using online banking on regular basis. One of the most basic and first point in this debate is that although we accept that online banking is providing a lot of opportunities for the banks in terms of efficiency and time and money saving and customer loyalty but it also limits this whole system and its future and current growth due to security issues, complexity of the system and technical problems involved (Sathye, 1999: Mols, 1999). 

Now these issues can be viewed in different ways. Some people will view them as an issue related to the level of trust on one's bank. Even Hewer and Howcroft (1999) in their studies defined these risk issues as level of trust to a measure the amount of risk. A number of previous studies have concluded that level of trust in case of electronic banking and perceived risks have a positive impact on commitment and customer loyalty and trust which ultimately leads towards overall satisfaction level of the customer about electronic banking. In this scenario, we can say that reputation of the service provider also affects the customer's level of trust on the financial institution/bank. Doney and Cannon (1997) defined reputation as the safety of customers money and privacy. Because if the customers are not sure of the honesty or loyalty of their service provider they will simply quit that service provider and move to some other service provider which they think is better and more honest and concerned about the security of their financial transactions. Level of trust is the first and the most basic step of doing any kind of business with any firm/institution or service provider.

Tyler and Stanley (1999) also argued on the same thing that by showing commitment, honesty and cooperation between them and the customers, they can win customer loyalty. In some cases it is found that customers' do have complains about the longer logon times consumed during online banking transactions rather than using any other medium for communication e.g. phone call etc. Min and Galle (1999) found one of the common factor in their survey which is the disruption of information access to be one of the most common factor which draws the customers away from using Internet channels for commerce.

Similar results have been found by Liao and Cheung (2002) in their research and they also suggested that customers expect the online system to be always accurate, friendly, fully secure, level of service should be good i.e. respo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。