According to the latest survey from Pew Internet and American Life Project, last year saw a drop in the uptake of internet banking compared with the two preceding years.
Analysts have suggested that the banks themselves could be to blame for failing to make internet access to bank accounts straightforward enough.
"Let's say you've heard from a friend that you can save time by paying your bills online and you visit your bank's web site to try it yourself," commented Steve Ellis of the business analysts Change Sciences
"On most bank sites you're about to get confused, frustrated and annoyed."
He suggests that simple factors such as the use of arcane terminology and lack of information about transaction security could be putting potential customers off.