System usability scale evaluation of online banking services: A South African study
Online banking is a critical service offered by financial institutions to their clientele to facilitate easier and faster access to financial services and transactions. Banks currently spend huge amounts of money on development and maintenance of websites and backend systems that offer online bankin...
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| Format: | Article |
| Language: | English |
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Academy of Science of South Africa
2018-03-01
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| Series: | South African Journal of Science |
| Subjects: | |
| Online Access: | https://www.sajs.co.za/article/view/4825 |
| _version_ | 1819143580720037888 |
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| author | Mathias Mujinga Mariki M. Eloff Jan H. Kroeze |
| author_facet | Mathias Mujinga Mariki M. Eloff Jan H. Kroeze |
| author_sort | Mathias Mujinga |
| collection | DOAJ |
| description | Online banking is a critical service offered by financial institutions to their clientele to facilitate easier and faster access to financial services and transactions. Banks currently spend huge amounts of money on development and maintenance of websites and backend systems that offer online banking facilities to clients. Here we address the effect of moderating factors on online banking usability assessment in South Africa. Using statistical analysis techniques that included t-tests, ANOVA and correlation, we investigated whether there are statistically significant mean differences in system usability scale (SUS) scores based on a variety of moderating factors in South Africa. Findings based on a sample of 540 respondents show that SUS scores differ significantly based on factors such as age, experience and income, whereas factors such as gender, use frequency and employment did not affect the mean SUS scores. Given the individual SUS scores for a variety of users based on different demographics, the financial institutions might improve service usability to target specific user groups and realise their return on investment in digital banking channels. Therefore improving service usability might go a long way in encouraging online banking adoption in South Africa.
Significance:
• The overall assessment of online banking service by users based on a SUS measurement tool was investigated.
• The effect of moderating variables on the mean SUS scores of different user groups was established.
• An insight into areas of improvement with regard to usability based on demographic information of users is provided. |
| first_indexed | 2024-12-22T12:28:30Z |
| format | Article |
| id | doaj.art-9c692485034e4862b0d7e334de855209 |
| institution | Directory Open Access Journal |
| issn | 1996-7489 |
| language | English |
| last_indexed | 2024-12-22T12:28:30Z |
| publishDate | 2018-03-01 |
| publisher | Academy of Science of South Africa |
| record_format | Article |
| series | South African Journal of Science |
| spelling | doaj.art-9c692485034e4862b0d7e334de8552092022-12-21T18:25:42ZengAcademy of Science of South AfricaSouth African Journal of Science1996-74892018-03-011143/48810.17159/sajs.2018/201700654825System usability scale evaluation of online banking services: A South African studyMathias Mujinga0Mariki M. Eloff1Jan H. Kroeze2School of Computing, College of Science, Engineering and Technology, University of South Africa, Johannesburg, South AfricaInstitute for Corporate Citizenship, University of South Africa, Pretoria, South AfricaSchool of Computing, College of Science, Engineering and Technology, University of South Africa, Johannesburg, South AfricaOnline banking is a critical service offered by financial institutions to their clientele to facilitate easier and faster access to financial services and transactions. Banks currently spend huge amounts of money on development and maintenance of websites and backend systems that offer online banking facilities to clients. Here we address the effect of moderating factors on online banking usability assessment in South Africa. Using statistical analysis techniques that included t-tests, ANOVA and correlation, we investigated whether there are statistically significant mean differences in system usability scale (SUS) scores based on a variety of moderating factors in South Africa. Findings based on a sample of 540 respondents show that SUS scores differ significantly based on factors such as age, experience and income, whereas factors such as gender, use frequency and employment did not affect the mean SUS scores. Given the individual SUS scores for a variety of users based on different demographics, the financial institutions might improve service usability to target specific user groups and realise their return on investment in digital banking channels. Therefore improving service usability might go a long way in encouraging online banking adoption in South Africa. Significance: • The overall assessment of online banking service by users based on a SUS measurement tool was investigated. • The effect of moderating variables on the mean SUS scores of different user groups was established. • An insight into areas of improvement with regard to usability based on demographic information of users is provided.https://www.sajs.co.za/article/view/4825securityprivacyebanking usabilitywebsite usabilitySouth Africa |
| spellingShingle | Mathias Mujinga Mariki M. Eloff Jan H. Kroeze System usability scale evaluation of online banking services: A South African study South African Journal of Science security privacy ebanking usability website usability South Africa |
| title | System usability scale evaluation of online banking services: A South African study |
| title_full | System usability scale evaluation of online banking services: A South African study |
| title_fullStr | System usability scale evaluation of online banking services: A South African study |
| title_full_unstemmed | System usability scale evaluation of online banking services: A South African study |
| title_short | System usability scale evaluation of online banking services: A South African study |
| title_sort | system usability scale evaluation of online banking services a south african study |
| topic | security privacy ebanking usability website usability South Africa |
| url | https://www.sajs.co.za/article/view/4825 |
| work_keys_str_mv | AT mathiasmujinga systemusabilityscaleevaluationofonlinebankingservicesasouthafricanstudy AT marikimeloff systemusabilityscaleevaluationofonlinebankingservicesasouthafricanstudy AT janhkroeze systemusabilityscaleevaluationofonlinebankingservicesasouthafricanstudy |