Information Technology is driven by the use of the Internet, which plays a major role in improving the security and privacy of the e-service quality. Further improvements in process related to the banking industry are seen, however customers have expressed their displeasure on security, privacy and trust. These led to customers unwillingness to transact using Internet banking. In this research, effect of security and privacy dimension as a predictor of Internet banking e-service quality on customer trust was examined using E-S-QUAL model and Interpersonal trust model. Using a quantitative research approach, a structured questionnaire was used in data collection in this survey. SPSS and PLS-SEM were used in data analyses. The result shows that two variables of e-service quality have significant positive effect on the customer trust with privacy having the highest level of effect/significance. The result also shows that it has a substantial coefficient of determination and good predictive relevance of the model of the study. This study found that Internet banking service is critical to customers’ trust. It has concluded that customers’ concern deals with the technical specifications of a website’s security, trust and payment methods, it also incorporatesthe degree to which the customer believes the site is safe from intrusion and personal information is protected. It was recommended that efficiency, privacy and security issues of Internet banking e-service quality should be addressed by banks in order to ensure efficient service are being delivered to the customers.

Keywords : Internet Banking, Internet Banking Security (IBS), Internet Banking Privacy (IBP), Service Quality, Customer Trust.