Determinants of the Internet Banking Intention in Malaysia

Abstract

The objective of this study is to determine factors that influence individual intention towards online banking In Malaysia. Specifically, the study examines the influence of Self Efficacy (6 item), Trust( 6 item), Perceived Ease of Use(5 item) and Media reference(4 item) on the intention towards Online banking. Each variable is measured using 7-point interval scale. To achieve a mo re balance findings among the internet banking users in Malaysia, a total of 250 questionnaires to online bank customers at 4 major banks in Klang Valley, Selangor, and across the major cities in Penang, Ipoh & Johor. 210 usable questionnaires were returned with a response rate of 84%. The data was analysed using SPSS. It was found that Self Efficiency; Trust; Perceived Ease of Use are significantly related to the intention to adopt internet banking among the users in Malaysia. Perceived Ease of Use was the main determinant towards the intention for online banking as compared to Self-Efficacy and Trust. Theoretically, our study suggests that there is a direct relationship between perceived ease of use and intention to adopt online bank In short, this study has provided a good understanding & established the factors that influence on the adoption of internet banking usage in Malaysia. Th is finding is paramount useful among the banks & on line banking vendors as it will assist on their various strategy resources allocation decision on their internet banking solutions to retain or acquire new market share which will benefit both the banks & the users as well.

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