CONCEPTUAL FRAMEWORK The conceptual framework shows the relation of the manual banking transaction to the existing E-banking

transaction. According to Daniel (1999), he defines electronic banking as the delivery of banks' information and services by banks to customers via different delivery platforms that can be used with different terminal devices such as a personal computer and a mobile phone with browser or desktop software, telephone or digital television.

Research Paradigm

E-BANKING
MORE ACCESSIBLE, MORE CONVENIENT, MORE ACCURATE

TERMINAL DEVICES e.g. cellphone, internet, telephone

BANKS

SERVICES AND INFORMATION

CUSTOMERS

MANUAL BANKING

TRANSACTION

TRADITIONAL BANKING

Figure 1 Research Paradigm Figure 1 shows the difference between electronic banking to traditional banking. In traditional banking, banks deliver services and information to customers through manual banking transactions wherein customers must interact with bank officers personally to make a transaction, while with the use of electronic banking (e-banking), banks renders services and information to

their customers with ease, with the use of terminal devices such as cellphones, internetconnected computers and telephones. The channels that these terminal devices provide more accessibility and convenience as customers can easily get in touch with the bank itself and make transactions without wasting time and energy on getting on the nearest branch of the bank, and more accuracy as information will go through certain security applications that the bank adapts.