Determinants of E-Banking Among Bruneian Corporate Customers: An Application of Theory of Planned Behavior

E-banking has become a new way of doing business and an important alternative for many banks and their customers. The acceptance of e-banking is affected by several factors, including the personal attitude of the users that influences normality and the context in which it is used. This study examines 150 customers of four major banks in Brunei Darussalam to explore the behavioral intent of the corporate customers toward e-banking through their attitudes. The Theory of Planned Behavior (TPB) is used as a reference framework to understand the intention toward using e-banking. The data is analyzed using PLS smart graph; analysis suggests that customers’ attitudes toward e-banking are a significant predictor of behavioral intention, whereas subjective norms and perceived behavioral control are insignificant. The causal link between perceived behavioral control and behavior (use of e-banking) is also insignificant. However, use of e-banking is further supported by the behavioral intention. The implications of these findings are discussed and conclusions are drawn.