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Volume 3 Issue 5 Paper 1

A Review of Online Banking in Saudi Arabia

Abdullah Saad M. Alzahrani
University of Wollongong, Australia


The aim of this study was to review the studies carried out on online banking in Saudi Arabia. Various databases were searched for keywords ‘Saudi Arabia & internet banking’, ‘Saudi Arabia & e-banking’, ‘Islamic banking & online services’ and ‘Saudi Arabia & online banking’. These studies were shortlisted as per the year of publication. Most of the studies included in this paper talked about the factors which drive online banking. Since banking in Saudi Arabia is Halal, one of the studies included also explored online services provided by Islamic banking. Studies reviewed show that the factors influencing the adoption of online banking in Saudi Arabia include customer’s attitude and trust, perceived risk, local expertise, quality of internet, religion and culture, security and reliability, and perceived usefulness and ease of use.

Keywords: Computer Human Interaction, Online Banking, Saudi Arabia, Review

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