One should refer the constructs of Customer Service and Technology adoption in the IT Banking literature to determine which factors play the most critical roles. You can also glean the same information from surveys and if required constructing appropriately new hybrid variables to measure customer satisfaction/enrolments // other parameters of service
The cost factors and convinience is the major attractions for e-banking especially with the emergence of apps that provide mobile banking via handphone which become a potential rival for traditional banks. This e-banking is attracting young generation this translated into a much technology savvy demographic segments.
you may external factors such market force ( suppliers, competitors, clients...), governmental support which is a crucial factor usually ( e.g. laws, regulations to support and protect... and also supporting industries. your may check the following articles: