Measuring User Acceptance of Internet Banking : A Survey in Northern Region of Peninsular Malaysia
Through Internet Banking (IB) people can access their bank accounts and conduct transactions 24 hours a day, seven days a week with reduced costs and increased convenience. Meanwhile the banks have now the opportunity to expand their market penetration internationally. This paper had study about t...
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| Format: | Thesis |
| Language: | English English |
| Published: |
2004
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| Online Access: | http://etd.uum.edu.my/1443/1/SIM_MONG_JAIN.pdf http://etd.uum.edu.my/1443/2/1.SIM_MONG_JAIN.pdf http://etd.uum.edu.my/1443/ |
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| Summary: | Through Internet Banking (IB) people can access their bank accounts and conduct transactions 24 hours a day, seven days a week with reduced costs and increased convenience. Meanwhile the banks have now the opportunity to expand their market penetration internationally. This paper had study about the user acceptance of Internet Banking in Northern Region of Peninsular Malaysia. The state involve in this research are Penang, Kedah and Perlis. The paper tried to adopt the Theory of Reasoned Action (TRA) which proposed by Fishbein and Ajzen in 1975 that try to establish a relationship among Beliefs, Attitude, Intentions and Behavior based on two assumptions. A modification been done to adapt with the scenario for this study and suit the local environment. A set of questionnaires been adopted from the information's and 27 closed-ended questions measured by Likert-Scale on IB acceptance. This research studied base on a survey method. A total of 400 of questionnaires were distributed to the respondents. At the same time it also tried to measure whether the independent variables such as gender, age, group and education level have the significant elation to the dependent variable. Out of the questionnaires distributed, 257 responses were collected, yielding the return rate of 64.3%, 7 questionnaires were discarded due to missing data. Thus only 250 (62.5%) questionnaires were usable for data analysis. All the data collected were analyzed by Statistical Package for Social Science (SPSS). Methods of analysis used in the research are descriptive and parametric test such as Correlation, T-Test and One Way ANOVA. Non-parametric test also had been applied in order to ensure the accuracy of the data analyzed Mann-Whitney U Test & Kruskal-Wallis Test. The study had found out that all the three independent variables have significant different against the internet banking acceptance usage variable. Thus, it supports the alternate hypothesis and rejected the null hypothesis. The finding of the research highlight the importance of demographic variables in the usage of IB. Hence banks can look for develop in IB that may wish to pay particular attention to these areas. The implications of the findings and the limitations of the study are further discussed for the benefit of researchers and practitioners. |
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