Quantitative Evaluation of e‑Banking Web Sites: an Empirical Study of Spanish Banks

Abstract

Online banking research to date is to a large extent anecdotal. Only a very limited number of studies have explored Electronic Banking in recent years. In this work an objective investigation of the issue has been conducted by manually accessing and evaluating the web sites of Spanish private and saving banks. Quality of web home pages was determined using an original Web Assessment Index, which focuses on four categories: accessibility, speed, navigability and content. A detailed report of the results arising from this investigation is presented and systematically analyzed. These findings will be useful for both researchers and practitioners who seek to understand the issues relevant to electronic banking.