“Consumers Attitude towards Online Banking Services in Saudi Arabia”
Dear Respondent,
I am a student doing MSc International Business and Finance at DE MONTFORT UNIVERSITY in the UK. As part of the programme requirements, I am conducting a survey on the Consumers attitude towards online banking services in Saudi Arabia. It would be much of help if you could take a few minutes to answer the simple questions in this questionnaire. It will only take about 3-5 minutes to complete. There is no right or wrong answers to the questions, just your own personal opinion. Your answers will be treated confidentially.

Thank you in advance for agreeing to participate.
Yours truly,
Abdul-Aziz M. Al-Sheikh.
Feb, 2014
Abdulaziz.alsheikh@myemail.dmu.ac.uk
UK: +44 7443083399 KSA:+966559924488
Please feel free to contact me if you have any questions about the survey.
PART 1: YOUR MEMBERSHIP IN ONLINE BANKING SERVICES
NOTE: In this survey, “Online Banking Services” is conducting financial transactions & financial services on a secure website operated by a bank. Examples: Al-ahli online, Samba Capital.

The questionnaire contains 17 questions please begin with Q1 and follow the directions:
Q1. Do you currently have an online banking account access?
[ ] No (Please go to Q8 and continue from there)
[ ] Yes (Please continue)

Q2. Please indicate your main online banking account?
Banks (select only one)
1. www.alahlionline.com

2. www.samba.com

3. www.sabb.com

4. www.eservices.baj.com.sa (Al-Jazira)

5. www.bankalbilad.com/
6. www.riyadonline.com

7. www.alrajhibank.com.sa

8. www.alinmaonline.com

9. Other (Specify)
…………………………………………………….

 
Q3. How often do you log in to the online banking site you selected as your main account?
[ ] Several times a day
[ ] Once a day
[ ] 1-3 times a week
[ ] Monthly
[ ] Other, please specify____________________
Q4. Beside the main online banking account, indicate the other accounts that you have? (i.e. you can select more than one)
Banks (select all that apply)
1. www.alahlionline.com

2. www.samba.com

3. www.sabb.com

4. www.eservices.baj.com.sa (Al-Jazira)

5. www.bankalbilad.com/
6. www.riyadonline.com
7. www.alrajhibank.com.sa
8. www.alinmaonline.com
9. Other (Specify)
…………………………………………………….

 

 

 

 

Q5. To what extent has each of the following factors contributed in making the site you indicated as your main account?

Because ….. Never contributed Very much contributed
a) it has a good reputation 1 2 3 4 5
b) it is easy to use 1 2 3 4 5
c) it offers Arabic language version 1 2 3 4 5
d) it allows me to customize my page 1 2 3 4 5
e) it can be accessed through mobile applications 1 2 3 4 5
f) it has a great user interface 1 2 3 4 5
g) many of my friends already subscribe to it 1 2 3 4 5
h) it offers a variety of services 1 2 3 4 5
i) it offers a high level of privacy 1 2 3 4 5

 

PART 2: ACTIVITIES AND BENEFITS OF ONLINE BANKING SITES

Q6. Please indicate how often you use each of the following online banking services.

Never rarely sometimes Often Very frequent Not available
on the site
a) Checking your bank balance
b) Printing bank statements
c) Buying / selling stocks
d) Money transfer
e) Utility Bills payments
f) Performing Government Services
g) Transfer between mutual funds
h) Recharge Sawa or Sim cards
i) Credit Card Payments
j) Other _____________________

 

Q7. To what extent have you benefitted from online banking services in each of the following?
Not at all Very much
a) 24 Hour online access 1 2 3 4 5
b) Information availability 1 2 3 4 5
c) Information sufficiency 1 2 3 4 5
d) User friendliness in the site 1 2 3 4 5
e) Information accuracy 1 2 3 4 5
f) Financial transaction ( e.g. buying & selling stock) 1 2 3 4 5

 

 

PART 3: YOUR OPINIONS ABOUT ONLINE BANKING SITES

Q8. In my opinion, people join online banking because of ..
Strongly disagree Strongly agree
a) positive recommendations by others (e.g. friends) 1 2 3 4 5
b) pressure from their peers 1 2 3 4 5
c) for entertainment (fun) 1 2 3 4 5
d) to catch up with this new trend 1 2 3 4 5
e) genuine communication needs 1 2 3 4 5
f) saving time 1 2 3 4 5
g) convenience 1 2 3 4 5
h) saving money 1 2 3 4 5

Not serious at all Very serious
a) Network security concerns 1 2 3 4 5
b) People stealing other people’s information 1 2 3 4 5
c) Broken and slow Internet connections 1 2 3 4 5
d) Physiological Risk (Fear of using Internet banking) 1 2 3 4 5
e) Trust 1 2 3 4 5
Q9. In your opinion, how serious are each of the following risks associated with online banking

 

Q10. To what extent do you agree/disagree with the following statements about online banking services?

Totally disagree Totally agree
a) Online banking enhances the reputation of the bank 1 2 3 4 5
b) Keeps you in touch with technology 1 2 3 4 5
c) Online banking services make life easier 1 2 3 4 5
d) Using an online banking is exciting 1 2 3 4 5
e) Online banking make life more complicated 1 2 3 4 5
PART 4: CLASSIFICATION INFORMATION

The information requested in this section will only be used for further statistical analysis comparing your responses with those of others who provided similar information.

Q11. Your gender:
[ ] Male [ ] Female

Q12. Your age:
[ ] Below 18 years [ ] Below 25 years [ ] Below 30 years [ ] Below 35 years
[ ] Below 40 years [ ] Below 45 years [ ] Below 50 years

Q13. Your nationality:
[ ] Saudi [ ] Non-Saudi

Q14. What is the highest education level you have attained?
[ ] High school diploma or equivalent [ ] Bachelor’s degree or higher
[ ] Associate’s/Technical degree

Q15. You are a:
[ ] Student [ ] Government employee [ ] Private sector employee
[ ] Self-employed [ ] Other ______________

Q16. What is your monthly income?
[ ] Less than SR 1,000 [ ] SR 1,000- SR 4,999 [ ] SR 5,000- SR 9,999
[ ] SR 10,000- SR 14,999 [ ] SR 15,000- SR 20,000 [ ] Over SR 20,000

Q17. This is a free space to feel free in adding any comment, suggestion, information you want or regarding any previous question.
……………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………

If you are interested in a summary of the results, please provide me with your contact information below, and I will be glad to send you a copy.
Your name: …….……………………………………………………………………………
Your telephone number: …….………………………………………………………………
Email Address:……………………………………………………………………………………………………………..
Address:……………………………………………………………………………………………………………………….

Thank you for completing this questionnaire.