Predictors of E-banking Service Adoption in Malaysia Using an Extended Technology Acceptance Model

Abstract

Electronic banking (E-banking) is a service that can ease the financial transaction. However, users have several concerns when dealing with online banking. This paper aims to develop an extended a model to predict and explain customers’ behavioural intentions with regard to adopting online banking. The proposed model incorporates four variables to provide a more comprehensive investigation about online banking. Data was collected from graduate students in Malaysia. The results show that the proposed model has moderate explanatory power. In addition, the results ease of use and customer attitude are significantly related to the adoption of E-Banking. In contrast perceived usefulness and risk have no significant association with the adoption of E-banking. Decision makers have to ensure that the E-banking is easy to use and have to provide clear instruction for using the services.

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