System usability scale evaluation of online banking service: A South African study
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Authors
Mujinga, Mathias
Eloff, Mariki M
Kroeze, Jan H
Issue Date
2018-03-27
Type
Article
Language
en
Keywords
security, privacy, ebanking usability, website usability, South Africa
Alternative Title
Abstract
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.
Description
Citation
Mujinga, M., Eloff, M. M., & Kroeze, J. H. (2018). System usability scale evaluation of online banking services: A South African study. South African Journal of Science, 114(3/4), https://doi.org/10.17159/sajs.2018/20170065
Publisher
South African Journal of Science
License
Journal
Volume
Issue
PubMed ID
DOI
ISSN
1996-7489