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Financial institutions have been adopting internet banking since the mid 90s, predominantly due to lower operating costs associated with internet banking, and pressure from non-banks interested in entering the internet banking market. In addition, customers utilizing internet banking facilities are increasing, as the cost savings on transactions over the internet are substantial (Mols, 1998; Sathye, 1999). Internet banking enables speedy transactions, access, time and money savings through providing free paper, and complete and up-to-date transactions. The competitive landscape of financial institutions is shifting as internet banking is no longer a competitive advantage but