A Study on Internet Banking Adoption among Bank Customers

The online banking environment has grown tremendously over the past several years and will continue to grow as financial institutions continue to strive to allow customers to complete money transfers, pay bills and access critical information online. At the same time,online banking has been plagued...

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Main Author:	Mohd Najmie, Haji Osman
Format:	Thesis
Language:	eng eng
Published:	2009
Subjects:	HG Finance
Online Access:	https://etd.uum.edu.my/1687/1/MOHD_NAJMIE_BIN_HAJU_OSMAN.pdf https://etd.uum.edu.my/1687/2/1.MOHD_NAJMIE_BIN_HAJU_OSMAN.pdf
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id	my-uum-etd.1687
record_format	uketd_dc
institution	Universiti Utara Malaysia
collection	UUM ETD
language	eng eng
topic	HG Finance
spellingShingle	HG Finance Mohd Najmie, Haji Osman A Study on Internet Banking Adoption among Bank Customers
description	The online banking environment has grown tremendously over the past several years and will continue to grow as financial institutions continue to strive to allow customers to complete money transfers, pay bills and access critical information online. At the same time,online banking has been plagued by internet criminals and fraudsters attempting to steal customer information . The primary purpose of this study is to identify factors that induced consumers to adopt the internet banking services. A total of 160 respondents are involved in this study. The effects of attitude towards certain behaviors, subjective norm and perceived behavioral control variables on the intention to use online financial services were examined as well as demographic variables. The conceptual framework underlying the study was based combination of different scholar that is relevant internet banking adoption. The findings based on five different independent variables (Banking Needs, Costs Saved, Risk and Privacy, Features Availability and Convenience)showed that all these variables influenced consumers’ internet banking adoption. It is essential for banks to facilitate encouragement and restrict impediment factors. The results suggest that in addition to the direct “push” from banks (in respect of the encouragement factors), indirect persuasion should also be carried out as a “pull” mechanism (in respect of the impediment factors) to induce consumers participating in the internet banking services.
format	Thesis
qualification_name	masters
qualification_level	Master's degree
author	Mohd Najmie, Haji Osman
author_facet	Mohd Najmie, Haji Osman
author_sort	Mohd Najmie, Haji Osman
title	A Study on Internet Banking Adoption among Bank Customers
title_short	A Study on Internet Banking Adoption among Bank Customers
title_full	A Study on Internet Banking Adoption among Bank Customers
title_fullStr	A Study on Internet Banking Adoption among Bank Customers
title_full_unstemmed	A Study on Internet Banking Adoption among Bank Customers
title_sort	study on internet banking adoption among bank customers
granting_institution	Universiti Utara Malaysia
granting_department	College of Business (COB)
publishDate	2009
url	https://etd.uum.edu.my/1687/1/MOHD_NAJMIE_BIN_HAJU_OSMAN.pdf https://etd.uum.edu.my/1687/2/1.MOHD_NAJMIE_BIN_HAJU_OSMAN.pdf
_version_	1747827189280145408
spelling	my-uum-etd.16872013-07-24T12:12:48Z A Study on Internet Banking Adoption among Bank Customers 2009 Mohd Najmie, Haji Osman College of Business (COB) College of Business HG Finance The online banking environment has grown tremendously over the past several years and will continue to grow as financial institutions continue to strive to allow customers to complete money transfers, pay bills and access critical information online. At the same time,online banking has been plagued by internet criminals and fraudsters attempting to steal customer information . The primary purpose of this study is to identify factors that induced consumers to adopt the internet banking services. A total of 160 respondents are involved in this study. The effects of attitude towards certain behaviors, subjective norm and perceived behavioral control variables on the intention to use online financial services were examined as well as demographic variables. The conceptual framework underlying the study was based combination of different scholar that is relevant internet banking adoption. The findings based on five different independent variables (Banking Needs, Costs Saved, Risk and Privacy, Features Availability and Convenience)showed that all these variables influenced consumers’ internet banking adoption. It is essential for banks to facilitate encouragement and restrict impediment factors. The results suggest that in addition to the direct “push” from banks (in respect of the encouragement factors), indirect persuasion should also be carried out as a “pull” mechanism (in respect of the impediment factors) to induce consumers participating in the internet banking services. 2009 Thesis https://etd.uum.edu.my/1687/ https://etd.uum.edu.my/1687/1/MOHD_NAJMIE_BIN_HAJU_OSMAN.pdf application/pdf eng validuser https://etd.uum.edu.my/1687/2/1.MOHD_NAJMIE_BIN_HAJU_OSMAN.pdf application/pdf eng public masters masters Universiti Utara Malaysia Agarwal, R. and Prasad, J. (1998), ‘‘The antecedents and consequents of user perceptions in information technology adoptions’’, Decisions Support System, Vol. 22, pp. 15-29. Babin, B.J., Darden, W.R. and Griffin, M. (1994), ‘‘Work and/or fun: measuring hedonic andutilitarian shopping value’’, Journal of Consumer Research, Vol. 20, pp. 644-56. Bhimani, A. 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A Study on Internet Banking Adoption among Bank Customers

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