La Prueba testimonial Consiste en la declaración o testimonio que

performance in future as incidence of banking fraud caused by electronic facilities reduces and as well as the assets get older. The study encourages the use of

electronic banking system based on its enormous benefits to the bank management, customers and the regulatory authorities.

in the payment of dividend as perceived future dividends will be fatter after some lag period of cost recovery.

6. The banks management should from time to time train customers with regard to electronic banking, its benefits, and risk exposure, physical and electronic security to avoid financial loss in the hands of hackers.

7. Also, trainings should be held for bank staff in short periods to acquaint them with modern developments of the sophisticated technology in changing times.

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