Implementation of e-banking services system provides various advantages for the company are cost and time efficiencies, and be able to create differentation and able to target market segments with low cost. to determine the underlying motivies customers to select and prefer one channel and the other required a systematic exploration of the customer perception. This study aims to understand the customers perception of various e-banking channel and how their motivesin choosing the cahnnel usage. By understanding customer perceptions about various banking channels, it is expected to be more helpful in assisting banks in Indonesia to introduce e-banking. A convinience sampling technique used to select 234 customers who surveyed in this study. Findings suggest that automatic teller machine was percieved to be low cost, low complexity and most usefulness. EFT is also almost similar to the ATM, get the low cost and low complexity but low on security. Perception on internet banking was secure and usefulness and high on privacy. Meanwhile perception on SMS banking was easy to access and also high on privacy. and phone banking was perceived to be the most expensive and inaccurate. Future studies are expected in addition to using other multivariate techniques would also be able to add other attributes are most influential.
Keyword-Custiomer Perception; Multidimensional scalling; electronic banking channel; technology adoption; internet banking.