Adoption of internet banking in Malaysia: An empirical analysis using the technology acceptance model

Abstract

This study investigates the relationships between perceived usefulness, perceived ease of use, attitude, and intention to use internet banking within the framework of the Technology Acceptance Model (TAM). Data were collected from respondents in a public sector in Putrajaya, with 43 valid questionnaires returned. Correlation analysis revealed that all hypothesized relationships were supported. Perceived usefulness showed a stronger relationship with attitude (r = 0.513, p < 0.01) than with intention (r = 0.339, p < 0.05), while perceived ease of use also had a moderate relationship with attitude (r = 0.499, p < 0.01) and a weaker yet significant relationship with intention (r = 0.328, p < 0.05). These findings confirm the robustness of TAM in predicting internet banking adoption and highlight the importance of improving system usability and functional benefits to enhance user attitudes and encourage adoption.