An analysis of mobile banking acceptance by Malaysian customers

Hanudin, Amin and Baba, Ricardo and Mohd Zulkifli Muhammad, (2007) An analysis of mobile banking acceptance by Malaysian customers. Sunway Academic Journal, 4. pp. 1-12.


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Today, the advancement of mobile technologies has provided an opportunity for financial providers in introducing new financial innovations. One of the emerging financial innovations introduced by financial providers is mobile banking. This study adopts a technology acceptance model (TAM) to investigate factors that determine an individual?s intention to use mobile banking among bank customers in Labuan and Kota Kinabalu. The TAM includes perceived credibility, perceived self-efficacy and normative pressure. Our results support the extended TAM in predicting bank customers? behavioural intention to use mobile banking. Determinants are perceived usefulness, perceived ease of use, perceived credibility and perceived self-efficacy. Normative pressure was found to be a weak determinant in explaining bank customers? intention to use mobile banking. The study also demonstrates the significant effect of perceived ease of use on behavioural intention through perceived usefulness.

Item Type: Article
Additional Information: Authors are affiliated to Universiti Malaysia Sabah
Uncontrolled Keywords: mobile banking; technology adoption; regression; technology acceptance model (TAM); Banks; Malaysia
Subjects: H Social Sciences > HG Finance
Divisions: Others > Non Sunway Academics
Depositing User: Administrator Admin
Date Deposited: 15 Oct 2012 06:52
Last Modified: 13 May 2019 09:11

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