An Exploratory Study of Factors Affecting the Internet Banking Adoption: A Qualitative Study among Postgraduate Students
Keywords:
(IBA) internet banking service, explore, adopters and non-adopters, postgraduate#x2019;s students, IIUM
Abstract
This paper aims to explore and understand the factors that affect the internet banking adoption among postgraduate' students in International Islamic University Malaysia (IIUM).Approach-Semistructured interviews with eight informants; four adopters and four non-adopters on postgraduate' students were conducted to explore this issue. The results revealed that adopters and non-adopters realized that internet banking (IB) has several benefits and conveniences. However, non adopters were concerned about some factors like trust, ease of use, awareness and security. The results also showed that adopters had positive influence on use of online banking and they did not have problems with these factors because they had sufficient knowledge and experience in using online banking. This study has several limitations such as the sample used for the study was from a specific group of respondents in Malaysia (postgraduate' students at IIUM). The second limitation was that informants were postgraduate 'students who had limitation on banking transactions. The findings are important to enable bank executives to have a better understanding of clients' perception to adopt internet banking. This will help banks' managers and owners formulate strategies that could significantly affect IBA among their customers.
Downloads
- Article PDF
- TEI XML Kaleidoscope (download in zip)* (Beta by AI)
- Lens* NISO JATS XML (Beta by AI)
- HTML Kaleidoscope* (Beta by AI)
- DBK XML Kaleidoscope (download in zip)* (Beta by AI)
- LaTeX pdf Kaleidoscope* (Beta by AI)
- EPUB Kaleidoscope* (Beta by AI)
- MD Kaleidoscope* (Beta by AI)
- FO Kaleidoscope* (Beta by AI)
- BIB Kaleidoscope* (Beta by AI)
- LaTeX Kaleidoscope* (Beta by AI)
How to Cite
References
T Grandy (1995) Banking in E-space. 145, 74-77.
Al-Majali (2011) Modeling the antecedents of internet banking service adoption Structural Equation Modeling approach. 16.
P Foley, C Jayawardhena (2000) Changes in the banking sector-the case of Internet banking in the UK. (1), 19-30.
R Tuchila (2000) Services bancare prin Internet, E-Finance Romania. 231-130.
M Jeevan (2000) Only banks No brick voice and Data Available.
D Booz, K Hamilto (1997) E-banking: Global Study of Potential Effects.
K Pikkarainen, H Karjaluoto, S Pahnila (2004) Consumer acceptance of Online banking: An extension of the technology acceptance model. 14(3), 224-235.
Ismail Ujaimi, Rabab Alsaig, Majid Alfelfel, Raed Algallaf (2008) "Adoption of Artificial Intelligence in the Construction Industry in Saudi Arabia: Challenges and Proposed Solutions". 03(11), 165-180.
A Zolait, Ibrahim Farooq, A (2010) A study on the Internet Security and its Imlication for Ecommerce In Yemen. 1(3), 34-47.
Al Nahian, R Shahriar, A (2009) The adoption of e-banking in Developing countries in Bangladesh: A theatrical model for SMEs. 5(6), 212-230.
A Mohammad, Anton (2010) The antecedents of Internet banking services adoption in Jordan. 15(2).
G Lloyd (2007) Internet banking adoption by Chinese American: an empirical study on Banks customers from Chinese and American PP. 79, 134-155.
Tero Pikkarainen, Kari Pikkarainen, Heikki Karjaluoto, Seppo Pahnila (2004) Consumer acceptance of online banking: an extension of the technology acceptance model. 14(3), 224-235.
. Enu (2000) Consumer adoption and diffusion of technological innovations: a case of electronic banking technologies P. 71-78.
S Rahmath, D Hema (2011) Internet Banking adoption in an emerging economy. 2(1), 250-289.
Y De, J (2001) The Internet's place in the banking industry. 163(1).
Ming-Chi Lee (2009) Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit. 8(3), 130-141.
& Dube, Runyowa Chitura (2009) Adoption and Use Internet Banking in Zimbabwe: An Exploratory Recommendations Study. 14(1), 165-180.
M Sathye (1999) Adoption of Internet banking by Australian consumers: an empirical investigation. 17(7), 324-334.
H Khaled (2010) An exploration of electronic banking adoption in Saudi Arabia. 15(3), 232-243.
A Zeithaml, Gilly (1987) Characteristics Affecting the Acceptance of Retailing Technologies: A Comparison of Elderly and Nonelderly Consumers. 63(1), 49-68.
Ya‐yueh Shih, Kwoting Fang (2004) The use of a decomposed theory of planned behavior to study Internet banking in Taiwan. 14(3), 213-223.
Margaret Tan, Thompson Teo (2000) Factors Influencing the Adoption of Internet Banking. 1(1), 1-44.
Muhammad Khalil, A (2011) TRUST & SECURITY ISSUES IN MOBILE BANKING AND ITS EFFECT ON CUSTOMERS. 16(1).
Fred Davis, D (1989) Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. 13(3), 319-340.
Ji-Won Moon, Young-Gul Kim (2001) Extending the TAM for a World-Wide-Web context. 38(4), 217-230.
L Muniruddenn (2007) An Examination of Individual's perceived security and privacy the internet in Malaysia and influence of their intention to use e-commerce: Using ATM. 12, 77-89.
David Gefen, Detmar Straub (2003) Gender Differences in the Perception and Use of E-Mail: An Extension to the Technology Acceptance Model1. 21(4), 389-400.
S Hamza, E Younes, S Aymen (2011) Factors affecting consumers adoption of mobile banking services. 2(20), 100-103.
M Norazah (2010) An Empirical study of factors affecting the Internet banking adoption among Malaysian consumers. 15(2), 24-32.
A Emad, Abushanab (2005) Internet Banking and customers' acceptance in Jordan "The unified Model's perspective. 186-210.
A Salim (2008) The Adoption of e-Banking: The Case of Omani Banks. 4(5), 120-128.
W Naris (2011) Factors influencing the adoption of internet banking in Tunisia. 6(8).
O Salim (2010) Factors influencing Internet banking adoption among customers in Libyan PP 75-90.
D Naoufel, T Elissar (2007) The adoption of ebanking by Lebanese banks success and critical factors.
K Padaachi, B Seetanah (2010) A study on the use of Internet Banking among SMEs Mauritius International Research Symposium in Service Management PP. 198-205.
Fang He (2009) Decision factors for the adoption E-finance and e-commerce activities. 37-73.
M Jannatul (2010) E-banking and customers satisfaction in Bangladesh. 14(3).
Kesseven Boopen, S (2007) Factors Affecting the Internet Banking Adoption. 54(3).
T Grandy (1995) Banking in E-space. 145, 74-75.
W Samsudin, Nor Azila, M (2009) Technology Trust Banking Adoption: The Mediating effect of Customer Relationship Management Performance. 2(2), 1-10.
L Patrick, Andrew (2002) The Impact of Context Upon Trust Formation in Ambient Societes.
B Zakaria (2009) The Effect of Perceived Risk on the Intention to Use E-commerce: The case of Algeria. 14.
R Michael (2008) Integrating Trust and Computer Self-Efficacy with TAM: An Empirical Assessment of Customers' Acceptance of Banking Information Systems (BIS) in Jamaica.
A Al-Shukkar, H Hasan (2005) Toward a model for the acceptance of Internet banking in developing countries. 11(4), 381-420.
M Nor, J Pearson (2007) The influence of trust on internet banking acceptance. 18(4).
D Naha, K Saroj (2010) Acceptance of Ebanking among Adult Customers: An Empirical Investigation in India. 17(2).
Published
2013-08-30
Issue
Section
License
Copyright (c) 2013 Authors and Global Journals Private Limited
This work is licensed under a Creative Commons Attribution 4.0 International License.