Corresponding Author

Rawin Raviwongse, Department of Industrial Engineering, Faculty of Engineering, Mahidol University, Thailand;

Document Type



Internet Banking is one of the channels for providing banking services. It is a delivery means that banks employ to expand their services in addition to traditional services provided through a branch’s counters and ATMs. This paper aims at investigation, design, and development of an Internet-based retail banking prototype for Thai customers. The data were gathered from three major sources which were; (i) a survey on existing Internet banking services both overseas and in Thailand, (ii) questionnaires distributed to Internet users, and (iii) interviews with the executives of the major Thai banks. It was found that more than half of the sample Internet users in Thailand are very interested in using Internet banking services. The main features needed are balance inquiry, bill payment, fund transfer, business information, and payment for goods purchased. The prototype was then developed and validated.