INTERNET BANKING ADOPTION AMONG MALAYSIAN UNDERGRADUATES

Abstract

This study examines factors affecting the adoption of internet banking among undergraduates. Internet banking is becoming increasingly popular and more attractive both in the fields of corporate and retail banking as the rise of fintech revolution has spurred customer acceptance towards internet banking services. Data is analyzed from 100 Malaysian undergraduates. The findings indicate that performance expectancy and facilitating condition have a positive and significant relationship with the adoption of internet banking among undergraduates. That is, internet banking users tend to adopt internet banking when internet banking services improve productivity and enhance effectiveness. In addition, bank customers are more interested to use internet banking services if they are provided with sufficient support from the banks. On the contrary, effort expectancy, anxiety and perceived credibility are trivial factors in affecting the adoption of internet banking.