The Internet has become a vital part of people’s daily lives. It has changed consumer behaviour in many
ways, including financial transactions formerly requiring a visit to a bank branch to achieve. Commercial
banks have been in the forefront in utilizing this to meet customer needs for on-demand financial services.
This study focuses on factors that affect customer satisfaction with the use of online banking services
provided by commercial banks. The American Customer Satisfaction Index Model and the Thailand
Customer Satisfaction Index Model are applied to evaluate customer satisfaction. The findings can be
used as guidelines to improve the quality of the online banking system.