Internet Bank Survey

1. How long have you been using the WWW ?   less than 1 month 1 to 6 months 6 to 12 months More than 1 year

2. How many hours per week do you use your computer for entertainment?   less than 1 hour 1 to 5 hours 5 to 10 hours 10 to 20 hours over 20 hours

3. How many hours per week do you use your computer for work?    less than 1 hour 1 to 5 hours 5 to 10 hours 10 to 20 hours over 20 hours

4. How many hours per week do you use your computer for personal reasons?   less than 1 hour 1 to 5 hours 5 to 10 hours 10 to 20 hours over 20 hours

5. Have you performed any of the following activities on-line?

        Tax filing

        Purchased/sold financial products (for example: stocks/bonds)

        Neither of these

6. How frequently do you use telephone banking services per month (for example: balance inquiries, balance transfer, fund transfer between accounts?     less than 1 1 to 3 times 3 to 8 times 8 to 12 times Over 12 times

7. How frequently do you visit your bank branch per month?    less than 1 1 to 3 times 3 to 8 times 8 to 12 times Over 12 times

8. How frequently do you use an Automated Teller Machine (ATM) per month?   less than 1 1 to 3 times 3 to 8 times 8 to 12 times Over 12 times

9. What is the main reason that you typically visit your bank branch.

            Select one:    Deposit money

                                Advice on financial products & services

                                Balance inquires

                                Withdraw cash

                                Other

10. Have you purchased any products/services through the WWW?  Yes  No 

11. Approximately how many times have you purchased any products/services through the Internet in the last 12 months?

            less than 1 1 to 3 times 3 to 8 times 8 to 12 times Over 12 times

Please indicate your agreement/disagreement with each of the follow statements.

12. I am willing to provide credit card and purchase information through the telephone. 

                           Yes   No

13.  I am willing to provide credit card and purchase information through the fax. 

                         Yes  No

14. I am willing to provide credit card and purchase information through the WWW/ E-MAIL. 

                        Yes  No

15. I am willing to provide credit card and purchase information over the internet when this information is encrypted.  

                   Yes  No

16. I am willing to provide credit card information and personal information over the internet to a web vendor

who is well known and reliable.       

                    Yes  No

17. For your on-line banking, which of the following categories best represents your current situation.

               PC Based Software

                Internet Access

                Neither, I currently do not have on-line banking

18. If, you have an on-line banking account what were the most important reasons you opened the account?

        Check all that apply:

                   Convenience

               Curiosity

       Better Rates

               Safe & Secure Transactions

               Low Service Charges

               Easy Maintenance of Financial Records

19. What banking services do you use which your internet bank offers?

        Check all that apply:

                Product & Service Information

                Loan Payment Calculations

                Loan Form Applications

                Personal Bank Transaction Activity Statement

                Balance Information

                Apply for Consumer Loans or Credit Cards

                Transfer Funds between Accounts

                On-line Bill Payment Services

                Other

                Not applicable

20. What are the main reasons that you have not opened an Internet bank account yet?

        Check all that applies:

                Under age

                Never heard of Internet Banking

                Concerned about security

                Haven't has the time to open the account

                Do not see any real value in having this type of an account

                Too new, I would like to see how it works first, then I may open an account

                Not available at my bank

                Other reasons

                Not applicable

1. Please indicate gender.

                Female

                Male

2. Please indicate the highest level of education completed.

        Grammar school High School Vocational/Technical School (2 year) Some College College Graduate (4 year) Master's Degree (MS) Doctoral Degree (PhD) Professional Degree (MD, JD, etc.) Other

3. Please indicate region of country in the USA

        Northeast Southeast Midwest Northwest Southwest Midwest

4. which of the following categories best describes your primary occupation?

        Computer Related Management Professional Educator and/or Student Other

5. What is your age?

        10-18 19-25 26-50 50 +

6. For your choice of an Internet bank, please indicate how much each of the following factors (were) are important for you.

      Check all that apply:

            Better rates and lower service charges

            Bank familiarity

            Bank location

            Size of bank (asset size)

            Security of transactions

            Convenience

            Quick service

            Variety of services (bill payment, account reconciliation, order checks ...)

             Integrated value added services

7. How likely will you be opening a Internet bank account within the next twelve months?

            Likely   Unlikely

Thank you for taking the time to answer the questions in our survey.

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