Internet banking (IB) and the World Wide Web (WWW) has become critical service delivery channels . This channel has made IB reliable and easy for individuals to use, also easy for small to medium enterprises (SMEs) to implement into their services. IB will continue to revolutionise the current traditional banking industry, as it offers more opportunities to enhance further and improve consumer services through enhanced interaction, reliability, speed, and customisation in online banking services. The internet offers the banking sector a new channel for delivering services to its customers and extending its presence beyond a country¿s borders .