“…To keep pace with the modernization of organizations, the banking sector has also embraced the development in innovation and its implementation that led to the transformation of banking operations from a manual system to a technology-based digital banking system around the world (Aduda & Kingoo, 2012). As a result, ICT-based banking operations, popularly known as electronic banking or e-banking (Salehi & Alipour, 2010), are being considered as the heart of the banking sector in the contemporary banking world (Al-Omoush et al, 2020;Aliyu & Tasmin, 2012).…”