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This study has several valuable implications for bank managers and authorities. In general, it suggests that bank managers wanting their bank market share to significantly increase should pay more attention to new channels of presenting innovative services. In other words, as a promising and already prevalent channel of delivering banking services, internet banking is very important for banks to increase their market share. Therefore, banks should not neglect to develop the infrastructure of their internet banking system. Moreover, if banks continuously improve their telephone banking service, their market share will increase. In addition, POS terminals are convenient platforms for obtaining a cash flow for businesses; hence, when they are developed to be innovative and easy-to-use, firms will welcome them. Visit A Nab Branch If customers choose to do such things as transfer funds or pay bills, they can usually do so from anywhere Internet access is available. Digital certificates