II) Security and privacy
Security and privacy are important issues for the acceptance of online banking which has been noted in many banking studies (Roboff and Charles, 1998; Sathye, 1999; Hamlet and Strube, 2000; and Pikarrainen et al., 2007). For example, Saythe (1999) indicated that security and privacy were significant obstacles to the adoption of online banking in Australia. Hoffman and Novak (1998) said that customers are generally unwilling to give private information such as credit card information over the telephone or the Internet. Hence, security and privacy is a factor influencing the adoption of E-banking.