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This paper aims to explore the encouragement and impediment factors for consumers to adopt internet banking services. The study should provide effective strategies for banking institutions on how to maximize the rate of adoption. A survey involving a sample size of 200 was conducted by sending questionnaires to lecturers in 20 public universities in Malaysia. The Decomposed Theory of Planned Behavior model (DTPB) was used. While "Perceived usefulness" and "Features of website" were the top factors which encourage the adoption of internet banking, "Culture" was the most significant impediment to adoption. In terms of moderating variables, only a few variables show significant impact on certain factors.
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