Title: An evaluation of e-banking and m-banking adoption factors and preference in Malaysia: a case study

Authors: Khong Sin Tan, Siong Choy Chong, Pik Lian Loh, Binshan Lin

Addresses: Faculty of Business and Law, Multimedia University, Jalan Ayer Keroh Lama, 75450 Melaka, Malaysia. ' Asian Institute of Finance, Level 16, 1 Sentral, Jalan Stesen Sentral 5, KL Sentral, 50470 Kuala Lumpur, Malaysia. ' Faculty of Business and Law, Multimedia University, Jalan Ayer Keroh Lama, 75450 Melaka, Malaysia. ' Department of Management and Marketing, Louisiana State University in Shreveport, One University Place, BE321, College of Business Administration, Shreveport, LA 71115, USA

Abstract: This study aims to investigate the factors influencing adoption of electronic banking (e banking) and mobile banking (m-banking) and to identify customer preferences in choosing either e-banking or m-banking when conducting transactions. The findings from 184 customers indicate that perceived usefulness, perceived ease of use, convenience, computer efficacy, device features and security influence the adoption of e-banking. Similar findings are obtained for m-banking adoption, except for mobile phone efficacy and device features. The majority of respondents prefer e-banking to m-banking. The results provide banks with prioritisation of determinants for developing appropriate strategies to encourage the adoption of e-banking and m-banking.

Keywords: e-banking; m-banking; adoption factors; UTAUT; customer preferences; mobile communications; Malaysia; electronic banking; online banking; mobile banking; mobile phones; cell phones; perceived usefulness; perceived ease of use; convenience; computer efficacy; device features; security.

DOI: 10.1504/IJMC.2010.034935

International Journal of Mobile Communications, 2010 Vol.8 No.5, pp.507 - 527

Published online: 31 Aug 2010 *

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