RESUMO
The relationship of Web design attributes (personalisation, structure, navigation, layout, search and performance) and users' personal characteristics to website usability and user satisfaction was investigated among 798 online banking users in Iran. The design and usability of the evaluated websites were not satisfactory from the users' perspectives. Multivariate regression models indicated that Web layout and performance were the main predictors of website usability, while personal characteristics including gender, age and Web usage experience of users had no effect. User satisfaction was also influenced only by the Web design attributes (particularly Web structure) and not by the personal characteristics of the users. There was also a significant relationship between website usability and user satisfaction. The findings suggest that the website designers should focus more on the Web design attributes (particularly Web layout and structure), regardless of the personal characteristics of their users, to improve the usability and user satisfaction of websites.
