“…Cooksey (2014) explored customers perception of time in recovery process in Australia; (Hossain and Leo, 2009) unveiled service quality in retail banking in the middle east. Customers perception on preannouncement of application software was explored by (Hoxmeier, 2000) and in other IT related fields by (Jain, Sethi, and Mukherji, 2009). Customer perception to understand, explore or investigate other parameters in organizational context was discussed by (Hung and Wong, 2007;Jehn and Scott, 2008;Jeng, 2011;Julien and Tsoni, 2013;Kattara, Weheba and El-Said, 2008) and examination of customers perception in relation to other parameters like financial awareness (Angeles and Delhi, 2014).…”