Factors	Guiding References	Items	Questions
Perceived Trust (PT)		PT1	1.1 To what extent is online banking reliable as a system of banking service provision?
	[58,88]	PT2	1.2 To what extent is an ATM reliable as a system of banking service provision?
		PT3	1.3 To what extent is offline (traditional) banking reliable as a system of banking service provision?
		PT4	1.4 Online banking fulfills the commitments that it assumes.
		PT5	1.5 ATM fulfills the commitments that it assumes.
		PT6	1.6 Offline traditional banking fulfills the commitments that it assumes.
		PT7	1.7 Online banking service is clear.
		PT8	1.8 ATM service is clear.
		PT9	1.9 Offline traditional banking service is clear.
Perceived Security (PS)	[49,59]	PS1	2.1 To what extent are your operations protected from any threats while using online banking (offence; attack; theft of money, documents, information, passwords, etc.)?
		PS2	2.2 To what extent are your operations protected from any threats while using ATMs (offence, attack, theft of money, documents, information, passwords, etc.)?
		PS3	2.3 To what extent are your operations protected from any threats while using offline traditional banking (offence; attack; theft of money, documents, information, passwords, etc.)?
		PS4	2.4 My personal information is kept confidential while using online banking.
		PS5	2.5 My personal information is kept confidential while using ATMs.
		PS6	2.6 My personal information is kept confidential while using offline traditional banking.
		PS7	2.7 Transactions conducted through online banking are secure.
		PS8	2.8 Transactions conducted through ATMs are secure.
		PS9	2.9 Transactions conducted through offline traditional banking are secure.
Perceived Convenience (PC)		PC1	3.1 To what extent is using online banking convenient?
		PC2	3.2 To what extent is using an ATM convenient?
		PC3	3.3 To what extent is using offline traditional banking convenient?
		PC4	3.4 A lot of time is needed to obtain online banking services.
	[61,89]	PC5	3.5 A lot of time is needed to obtain ATM services.
		PC6	3.6 A lot of time is needed to obtain offline traditional banking services.
		PC7	3.7 Using online banking requires a lot of knowledge.
		PC8	3.8 Using an ATM requires a lot of knowledge.
		PC9	3.9 Using offline traditional banking requires a lot of knowledge.
Perceived Ease of Use (PEU)		PEU1	4.1 To what extent is the process of using online banking easy?
		PEU2	4.2 To what extent is the process of using an ATM easy?
		PEU3	4.3 To what extent is the process of using offline traditional banking easy?
		PEU4	4.4 Much time is needed to perform online banking operations.
		PEU5	4.5 Much time is needed to perform ATM operations.
		PEU6	4.6 Much time is needed to perform offline traditional banking operations.
	[62,83]	PEU7	4.7 Online banking is flexible to interact with.
		PEU8	4.8 ATMs are flexible to interact with.
		PEU9	4.9 Offline traditional banking is flexible to interact with.
Perceived Usefulness (PU)		PU1	5.1 To what extent does using online banking satisfy your needs of a banking service?
		PU2	5.2 To what extent does using ATM satisfy your needs of a banking service?
		PU3	5.3 To what extent does using offline traditional banking satisfy your needs of a banking service?
		PU4	5.4 Using online banking would help me to better manage and keep track of my finances.
		PU5	5.5 Using the ATM would help me to better manage and keep track of my finances.
	[83,90]	PU6	5.6 Using offline traditional banking would help me to better manage and keep track of my finances.
		PU7	5.7 Online banking increases my financial transaction effectiveness.
		PU8	5.8 ATMs increase my financial transaction effectiveness.
		PU9	5.9 Offline traditional banking increases my financial transaction effectiveness.