This research aims to explain (1) the behaviour of Tunisian customers in phase of e-Banking post-adoption and (2) the future of the competition between physical branches and e-Banking services inside a given bank. We try to identify the potential users of the e-Banking, to identify their needs compared to other services. In addition, we try to analyse the vision of Tunisian bankers of the development of branches and the benefits of their complementarities with e-Banking.

This paper is focused on the case of a Tunisian bank, the behaviour of its subscribed customers to e-banking services and some interviews carried out with sales managers of the branch.
The results related to the behaviour of Tunisian customers were tested on the data-processing trace of subscribed person and the frequentation of their uses are extracted and the results related to the future of the competition between physical branches and e-Banking services were tested on a sample of 14 Tunisian agencies inside a given bank. The present the methodologies adopted in details, then for the study in detail will analyze the behaviour of subscribed customers. The impact of the adoption of the e-Banking in the future is also analyzed in this paper, and the prospects for the future bank and its evolutions are also reported based on the study conducted.