Excel File Structure:

Data Sheet: This sheet contains raw data collected from the research. Columns

include: Institution Name, Service Type $($e$.$g$.,$ Online Transfer, Bill Payment$),$

Customer Type $($Business$/$Personal$),$ Pricing $($Standard$/$Fee$-$Based$),$ Unique

Features.

Comparative Analysis Sheet: This sheet uses pivot tables and filters to categorize

and compare e$-$banking tools. It can highlight trends like the most common services

or unique offerings by certain institutions.

Graphical Representation Sheet $($if applicable$)$: Charts and graphs visualize data,

such as pie charts or bar graphs comparing the number of services offered by each

institution.