Significance of Usability and Accessibility in Cyber-Banking

Abstract Electronic commerce or e-commerce has a significant impact on the global economic environment. However, recent developments show technology and applications are increasingly paying more attention to mobile computing, the wireless Web, and mobile commerce. Because of this, much research has been done on the acceptance of mobile banking, or cyber-banking, as a significant channel for distribution. For many, though, this method is still relatively new. Thus, cyber-banking is examined and summarized in the current qualitative study in multiple areas, such as age, gender, education level, occupation, and technology expertise. The most significant difficulty was estimating how users will use it. A total of 180 respondents completed the questionnaire. Since 21% did not use cyber-banking, they were excluded from further analysis. Data analysis was performed on the remaining 142 surveys. The survey had versatile and open results because it was done online and offline. Via qualitative analysis, the results demonstrated that adopting cyber-banking was uneven in specific ways since it frequently depends on the acceptance of technology and its advancements. It also showed that most people's attitudes, perceived utility, and compatibility with their devices and lifestyles were critical factors in their decision to use cyber-banking services in their daily lives. Keywords: Cyber-banking, bank digitalization, mobile banking, banking technology, online assistance service