Overall, corporate customers were quite positive about Internet banking benefits, except that they do not really
view information sharing as a benefit. Generally, non-adopters are not as strongly positive about the benefits, but
they are still fairly favorable, so there is potential to move them over into the user category. However, quite positive
perception of benefits has not translated into heavy usage, even users are mainly using Internet banking in trial
mode, and primarily for information, not for much volume of transactions. It can be concluded that bank customers
and Thai Internet banking service providers perceive the components of business value of this system similarly, but
the banks may overestimate the magnitude of the benefits.