The paper presents a validated socio-technical information security (STInfoSec) framework for the development of online information security (InfoSec) applications. The framework addresses both social and technical aspects of InfoSec design. The preliminary framework was developed using a mixed methods research design that collected data from 540 surveys by online banking users and six interviews with online banking personnel. The preliminary framework was presented in another publication and it is beyond the scope of this paper. The scope of this paper is limited to the validation findings of the evaluation process that involves seven evaluators. In the socio-technical context, the STInfoSec framework facilitates acceptance and usability of online applications based on online banking as a case study. The authors argue that usability of online InfoSec applications such as online banking significantly affects the adoption and continued use of such applications. As such, the paper investigates design principles for usable security and proposes a validated STInfoSec framework that consists of 12 usable security design principles. The design principles have been validated through heuristic evaluation by seven field experts for inclusion in the final STInfoSec framework. The development of InfoSec applications can be improved by applying these design principles.

HOW TO CITE:Mujinga M, Eloff MM, Kroeze JH. System usability scale evaluation of online banking service: A South African study. S Afr J Sci. 2018;114(3/4) Online banking is a critical service offered by financial institutions to their clientele to facilitate easier and faster access to financial services and transactions. Banks currently spend huge amounts of money on development and maintenance of websites and backend systems that offer online banking facilities to clients. Here we address the effect of moderating factors on online banking usability assessment in South Africa. Using statistical analysis techniques that included t-tests, ANOVA and correlation, we investigated whether there are statistically significant mean differences in system usability scale (SUS) scores based on a variety of moderating factors in South Africa. Findings based on a sample of 540 respondents show that SUS scores differ significantly based on factors such as age, experience and income, whereas factors such as gender, use frequency and employment did not affect the mean SUS scores. Given the individual SUS scores for a variety of users based on different demographics, the financial institutions might improve service usability to target specific user groups and realise their return on investment in digital banking channels. Therefore improving service usability might go a long way in encouraging online banking adoption in South Africa. Significance:• The overall assessment of online banking service by users based on a SUS measurement tool was investigated.• The effect of moderating variables on the mean SUS scores of different user groups was established.• An insight into areas of improvement with regard to usability based on demographic information of users is provided.

Technologically, competition is fierce in the banking industry, as such, banks need to offer cutting-edge technology and still make sure the banking solutions provided keep customers satisfied, as customers could switch between banks with minimum inconvenience. Electronic service quality measures the level of satisfaction deliver to bank customers through online banking digital solutions. This paper provides an investigation of electronic service quality based on customers' perceptions in South Africa. The paper presents findings based on quantitative data from 184 online banking customers using E-S-QUAL measurement scale. The results show that banks are meeting customer expectations of service quality delivery, although there is room for improvement. The study has practical implications to financial institutions in South Africa, as it highlights areas of attention to improve service quality delivered to online banking customers.

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