The study focuses on the commercial banking sector in Thailand, as this sector is the engine of
growth for the country’s economy. Financial transactions are a part of daily life - whether done through a bank branch or by way of other online channels. The scope of the study is limited to top six commercial banks in Thailand with the highest transaction fees. The respondents need to do transactions through online channels including fund transfers between accounts both within the bank and different banks, bill payment, credit card payment, utilities payment and also configuring the initial set up for access to such services.