Internet banking is an important and excellent field for studying the new customer relationships. Electronic delivery has an obvious impact on retail banking and more and more transactions will be made online. For several years, researchers have stressed the pressure towards a more perfect market with less loyal customers able to change bank at the press of a button. To survive in the online home-banking age, the retail banks have to compete on fees and interests ± or to earn customer loyalty through product features and service excellence (Daniel, 1999). Thus Internet banking is implemented to gain cost reductions as well as to secure customer retention (Mols,2000).