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User Acceptance of Internet Banking In Malaysia: Test of Three Competing Models

Author

Listed:
  • Kamel Rouibah

    (College of Business and Administration, Kuwait)

  • Ramayah Thurasamy

    (Universiti Sains Malaysia, Malaysia)

  • Oh Sook May

    (Universiti Sains Malaysia, Malaysia)

Abstract

This study aims to investigate factor(s) which influence the user intention to use Internet banking. It compares the explanatory power of three well known technology adoption models (TAM, TPB and TRA). These models were used to test the impact of five factors (perceived ease of use, perceived usefulness, attitude, subjective norms and perceived behavioral control) on intention to adopt internet banking by 239 individual bank customers in Malaysia. Results reveal that the five factors have a direct positive effect on behavioral intention to use. However, attitude toward behavior has the highest effect, followed by perceived usefulness, and subjective norm, while perceived behavioral control exerts the weakest effect. Results also found TPB model has the best explanatory power, followed by TRA and TAM models. Findings of the study should benefit banks in improving their use of e-banking technologies as a strategic weapon, and can be used to target more potential customers.

Suggested Citation

  • Kamel Rouibah & Ramayah Thurasamy & Oh Sook May, 2009. "User Acceptance of Internet Banking In Malaysia: Test of Three Competing Models," International Journal of E-Adoption (IJEA), IGI Global, vol. 1(1), pages 1-19, January.
    • Handle: RePEc:igg:jea000:v:1:y:2009:i:1:p:1-19
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    Cited by:

    1. Normalini Md Kassim & T. Ramayah, 2015. "Perceived Risk Factors Influence on Intention to Continue Using Internet Banking among Malaysians," Global Business Review, International Management Institute, vol. 16(3), pages 393-414, June.
    2. Shanmugavel, Nagarajan & Balakrishnan, Janarthanan, 2023. "Influence of pro-environmental behaviour towards behavioural intention of electric vehicles," Technological Forecasting and Social Change, Elsevier, vol. 187(C).

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