scholarly journals The Factors Affecting the Trustworthiness of Customers towards the Usage of Internet Banking in Malaysia

2017 ◽  
Vol 12 (6) ◽  
pp. 1
Author(s):  
Uma Murthy ◽  
Paul Anthony Mariadas ◽  
Gopal Perumal
Keyword(s):  
Regression Analysis ◽  
Correlation Analysis ◽  
Internet Banking ◽  
Mobile Internet ◽  
Mobile Banking ◽  
Banking Services ◽  
Factors Affecting ◽  
Internet Users ◽  
Year 2000 ◽  
Internet Banking Services

The number of internet users in Malaysia is significantly high in comparison with other countries. It is reported that the number of internet users who were born in the year 2000 and above is almost near 70% in Malaysia. In 2015, the Malaysian internet users has exceeded to more than 19 million users. Therefore, the amount of banks that are implementing internet services to their customer is to be roughly 30. Meanwhile, there are only 13 banks in Malaysia that offers mobile banking services to its customers. Although there has been a rapid distribution of mobile internet by banks, internet banking services is still not fully adopted by banks. The objective of the study is to study about the factor affecting the trustworthiness of customers towards the usage of internet banking in Malaysia. This research is about the trustworthiness of customers towards the usage of internet banking. There are a few variables of factors that affect the trustworthiness of customers towards the usage of internet banking and it is clearly explained and elaborated. The factors are competency, security, integrity performance and shared values. Next, the methodology quantitative approach has used in this research whereby 200 respondents were sampled by the population from using the simple random taking. Employed the SPSS Version 22.0, the multiple regression analysis and correlation analysis was created out to test the four hypothesis for this research. Moreover, this research will be conducted in Kota Damansara, Malaysia.

Scale Development and Validation for Measuring the Adoption of Mobile Banking Services

2019 ◽  
Vol 20 (2) ◽  
pp. 434-457 ◽  
Author(s):  
Deepak Chawla ◽  
Himanshu Joshi
Keyword(s):  
Factor Analysis ◽  
Technology Acceptance ◽  
Reliability And Validity ◽  
Measurement Model ◽  
Developed Countries ◽  
Internet Banking ◽  
Mobile Internet ◽  
Ease Of Use ◽  
Mobile Banking ◽  
Banking Services

Mobile banking (m-banking) has provided new opportunities to banks to engage more effectively with customers. With increasing smartphone penetration and affordable internet connectivity, both urban and rural India are witness to an increase in the number of mobile internet users. A majority of the recent studies on m-banking are focused on developed countries. Among Indian studies, a majority of them focus on internet banking, not many exist that explore the factors which influence user attitude (ATT) and intentions to adopt m-banking. This article aims to propose a scale to study m-banking adoption and validate it in the Indian context. An exploratory study was conducted through a literature review, a focus group discussions and some personal interviews. Exploratory factor analysis (EFA) was carried out which resulted in seven factors labelled as ease of use (EOU), ATT, lifestyle (LS), convenience (CON), efficiency (EFF), trust (TR) and behavioural intention (BI). The measurement model was estimated using confirmatory factor analysis to test the reliability and validity of the scale. The study improves the technology acceptance model (TAM) by adding TR, CON and EFF as relevant factors. The scale also integrates LS to the existing factors and focuses on both socio-technical aspects. The scale can be used by banks to assess how consumers perceive their m-banking service and identify gap areas and opportunities for developing viable m-banking services.

Generations X and Y’s Adoption of Internet and Internet Banking in Nigeria

2012 ◽  
Vol 2 (4) ◽  
pp. 68-82 ◽  
Author(s):  
Edwin Agwu
Keyword(s):  
Generation X ◽  
Generation Y ◽  
New Technologies ◽  
Internet Banking ◽  
Security And Privacy ◽  
Banking Services ◽  
Internet Users ◽  
Frequent Use ◽  
Use Of The Internet ◽  
Internet Banking Services

Recent surveys show that more than 65% of internet users in Nigeria are between 18 – 46 years old. However, evidence from previous research stressed that as opposed to generation X, generation Y are more likely to adopt new technologies. This paper examined the use of internet and internet banking by two different generations in the Nigeria context. Students and young graduates who occupy these ladders were used as subjects of the research. Two hundred and thirty students (generations X and Y) were sampled. Findings revealed that both generations within the Nigerian context are technologically inclined; however, certain factors serve as barriers to their adoption of internet banking services as opposed to their frequent use of the internet for other purposes. Risks, security and privacy, dearth of telecommunication infrastructures, and poor state of the Nigerian economy were found to be barriers within the data analyzed. This research contends that the Nigerian government and the financial institutions must address the barriers to make for a full adoption of internet banking services and proposes the relationship marketing of these generations, especially generation Y as potential users of the bank and its services.

scholarly journals Mobile banking adoption and usage among Generation Y Malaysians

F1000Research ◽  
2021 ◽  
Vol 10 ◽  
pp. 1170
Author(s):  
Momen Tarawneh ◽  
Lan Thi Phuong Nguyen ◽  
Yong Fie
Keyword(s):  
Perceived Risk ◽  
Interface Design ◽  
Credit Card ◽  
Internet Banking ◽  
Intention To Use ◽  
Mobile Banking ◽  
Design Quality ◽  
Banking Services ◽  
Factors Affecting ◽  
Actual Use

Background: By 2018, Malaysian mobile banking services made the third-largest amount of banking transactions, following credit card and Internet banking. In addition, it significantly contributes to the banking industry by providing easier transactions to banking consumers. This study examined factors affecting the intention to use, and the actual use of mobile banking services in Malaysia. Methods: Two main theories of the unified theory of acceptance and use of technology (extended version, UTAUT2), and the model of perceived risk, were used to propose a modified framework. Based on the non-probability sampling method, the data were collected from 504 respondents. The data vas analyzed using SPSS and PLS-SEM to derive the findings. Results: The study's findings revealed that the independent variables could explain 55.3% of the variance in mobile banking use and 60.3% of variance in intention to use variables. Moreover, it demonstrated that common factors that have significantly affected the actual use and intention to use mobile banking were habit, facilitating condition, and interface design quality. In contrast, perceived risk and intention to use were found to only have significant impacts on the use of mobile banking, while effort expectancy was found to only have a significant impact on the intention to use. Conclusions: The findings of this study provide significant new knowledge on mobile banking, from which mobile banking providers and interface designers can develop potential solutions to increase the usage of mobile banking services in Malaysia. However, using a qualitative method, the proposed model could only explain 55% of actual use and 60% of intentional use. Thus, additional variables and qualitative techniques may help increase the understanding on the actual use and intention to use.

scholarly journals Growth and Factors Affecting the Uses of e-banking Services in India

2021 ◽  
Vol 23 (10) ◽  
pp. 61-80
Author(s):  
Dr. Jivan Biradar ◽  
Keyword(s):  
Credit Card ◽  
Quantitative Measure ◽  
Secondary Data ◽  
Internet Banking ◽  
Modern Technology ◽  
Advanced Technology ◽  
Banking Services ◽  
Factors Affecting ◽  
Internet Banking Services ◽  
Banking Credit

The banking sectors and bankers have started using advanced technology to deliver banking services. In the e-banking, banks are using modern technology for banking activities and operations to provide good quality of services to their customers. This study is based on primary as well as secondary data. A five-point likert scale was used as a quantitative measure to understand consumer’s perception and factor affecting uses of e-banking services. The study found that, the uses of e-banking services like mobile banking, credit card facility and internet banking services are becoming popular in recent period and the comfortable level is higher with the ATM and debit card facility whereas customers are not comfortable while using internet banking services. The major reasons for less use of e-banking services are connectivity problem, less number of ATMs and ignorance of staff members. So, there is a need to increase infrastructure facilities and financial institutions should take initiatives for staff training and awareness related activities to increase uses of e-banking services.

Factors Affecting Customer Retention Toward Internet Banking in Malaysia

2009 ◽  
Vol 08 (01) ◽  
pp. 35-43 ◽  
Author(s):  
Hishamuddin Bin Ismail ◽  
Mohammad Fateh Ali Khan Panni
Keyword(s):  
New Technology ◽  
Customer Retention ◽  
Internet Banking ◽  
Demographic Variables ◽  
The Internet ◽  
Banking Services ◽  
Factors Affecting ◽  
Business Operation ◽  
Information And Communication ◽  
Internet Banking Services

Information and communication technology (ICT) is not a strange medium anymore in business operation nowadays. Most businesses regardless of their industries try to equip themselves with the development of ICT. Polatoglu and Ekin (2001) viewed Internet banking as very attractive to banks and to consumers who have higher acceptance of new technology. The purpose of the study is to find out the extent of the effect of the customer demographics on the online customer retention of the internet banking services; the extent of the influence of the characteristics of innovation on customer retention of internet banking services. The study revealed that the demographic variables do not have any significant impact on the customer retention of the internet banking services. However, the study found that all the innovative characteristics like relative advantages, compatibility, trialability, observability and complexity are found to have significant association with the customer retention of internet banking services.

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