Factors Determining Consumer Adoption of Internet Banking

10 Pages Posted: 19 Oct 2007

Date Written: 2007

Abstract

The rapid changes in Malaysian banking system have created a new dimension in the banking industry with the emergence of Internet banking. The study also explores the consumer's adoption behaviour driven by the evolution of new, banking technology in Malaysia. The result implies that a social norm effect dominates Internet banking adoption.

This paper presents the profile of the internet banking adopter in Malaysia based on a large scale survey. A logistic model is used to estimate the probability of a bank customer adopting internet banking. The profile of the adopter is constructed using demographic, social economic and technological capacity indicators. The method is a very simple one, which can be used by financial institutions to gain better understanding of their own internet banking customers.

Keywords: Internet banking

JEL Classification: A12

Suggested Citation

Annamalah, Sanmugam, Factors Determining Consumer Adoption of Internet Banking (2007). Available at SSRN: https://ssrn.com/abstract=1021484 or http://dx.doi.org/10.2139/ssrn.1021484

Sanmugam Annamalah (Contact Author)

SEGi University ( email )

Kota Damansara
Kota Damansara, Wilayah Persekutuan 47810
Malaysia

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