Title: An insight into the attributes influencing the acceptance of internet banking: the consumers' perspective

Authors: Wai-Ching Poon, Gun-Fie D. Yong, Woon-Har P. Lam

Addresses: School of Business, Monash University Sunway Campus, Jalan Lagoon Selatan, 46150 Bandar Sunway, Selangor, Malaysia. ' Faculty of Management, Multimedia University, Jalan Multimedia, 63100 Cyberjaya, Selangor, Malaysia. ' Faculty of Management, Multimedia University, Jalan Multimedia, 63100 Cyberjaya, Selangor, Malaysia

Abstract: Six factors with 42 elements were identified to examine the influences of demographic variables and attitudes towards the acceptance of internet banking in Malaysia using a Likert scale questionnaire. Results revealed that all elements for each factor are significant, except for design factors; whilst convenience and securities were the most important attributes influencing the inclination to accept internet banking services. It was found that demographics as well as occupation background have a high correlation to the tendency to accept internet banking. Conversely, gender, race and marital status appeared to have insignificant influence. Some recommendations on ways to address the impediments were suggested.

Keywords: internet banking; attributes; consumer acceptance; banking services; Malaysia; demographic variables; online banking; e-banking; electronic banking; occupation background.

DOI: 10.1504/IJSS.2009.021668

International Journal of Services and Standards, 2009 Vol.5 No.1, pp.81 - 94

Published online: 30 Nov 2008 *

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