Government 60 2.833 0.329 95% 2.750 2.916 Donors 60 2.833 0.287 95% 2.761 2.905 Reliability of 60 4.167 0.032 95% 4.159 4.175 system Security of the 60 4.183 0.016 95% 4.167 4.199 system Privacy and 60 3.550 0.065 95% 3.534 3.566 Trust Risk Involved 60 4.017 0.08 95% 3.997 4.037 Organization 60 3.6 0.151 95% 3.562 3.638 capability Lack of 60 3.75 0.155 95% 3.711 3.789 knowledge Source: Researcher Analysis 2011. 4.6.1 Legal Issues. 42 respondents equivalent to 70% agreed and 8 respondents equivalent to14% strongly agreed that legal issues are reason for failure to full adoption of E-banking and from the statistical analysis showed that the population sample mean of 3.867 and the estimated population mean at 95% confidence limit ranging from 3.847 to 3.887 which mean that most customers agree that legal issue is a reason which inhibits full adoption of e-banking 4.6.2 Regulatory Issues.
Government 60 2.833 0.329 95% 2.750 2.916 Donors 60 2.833 0.287 95% 2.761 2.905 Reliability of system 60 4.167 0.032 95% 4.159 4.175 Security of the system 60 4.183 0.016 95% 4.167 4.199 Privacy and Trust 60 3.550 0.065 95% 3.534 3.566 Risk Involved 60 4.017 0.08 95% 3.997 4.037 Organization capability 60 3.6 0.151 95% 3.562 3.638 Lack of knowledge 60 3.75 0.155 95% 3.711 3.789 Source: Researcher Analysis 2011. 4.6.1 Legal Issues. 42 respondents equivalent to 70% agreed and 8 respondents equivalent to14% strongly agreed that legal issues are reason for failure to full adoption of E-banking and from the statistical analysis showed that the population sample mean of 3.867 and the estimated population mean at 95% confidence limit ranging from 3.847 to 3.887 which mean that most customers agree that legal issue is a reason which inhibits full adoption of e-banking 4.6.2 Regulatory Issues.