Yibin (2003) explained that many banks conceive E-banking will provide some economical benefits: i) lower operational costs of banks (i.e. automated process, accelerated credit decisions, etc.); ii) potentially lower margins (i.e. lower cost of entry, expand financial reach, and increased transparency); iii) expand reach through self-service (i.e. lower transaction cost, make anytime access to accounts, and loan information possible, etc.).