Customer attitudes and Perceptions of their Rights in Online Transactions- Analysis through Law of Kurdistan Region of Iraq

— In the era of globalization online transaction or online banking is a countless revolution. Over the last decade supreme business are running with technological change. Online transaction or online banking is the use of technology for improved business outcome. And bankers are devising approaches to meet the demand of online bankers; they are busy in reviewing customer attitude in the field of online banking or online transaction, to understand the customer attitudes towards online banking or online transaction. Quantitative method employed to analyze the relationship between customer attitude and right of online transaction in Kurdistan region of Iraq. The researcher attempted to gather data from customers in Erbil, however 100 surveys distributed in different banks located in Erbil, but only 79 questionnaires have been completed successfully. The findings revealed that previous Online banking or online transaction experience and frequency and time length of transaction use have significant influence on trusting and the intention to use online banking. Perceived convenience had a positive effect on perceived usefulness and continuance intention. The findings demonstrated that intention to use online banking can be predicted by attitudinal and perceived behavioral convenience factors. The findings from this research have also exposed that the perceived security has a marginal impact on the customers' tendency to trust online banking. And while the study assumed that with cybercriminals targeting banking devices, securing online transaction is more important than ever, and would impact trust in Online transaction, but the week relationship sounds as if the customer evaluates “each situation” and compare the levels of trust versus the perceived level of security.