Factors influencing the acceptance of mobile banking services among students of higher education at Klang Valley in Malaysia

The mobile banking in Malaysia is still in its infancy stage and the reason to explain the acceptance as well as the understanding of the actual usage level of mobile banking services still remains unclear. Various models have been developed and proposed to increase the understanding of this issue....

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Main Author:	Murat, Mahad
Format:	Thesis
Language:	eng eng
Published:	2015
Subjects:	HF5415.33 Consumer Behavior. HG Finance
Online Access:	https://etd.uum.edu.my/5399/1/s95155.pdf https://etd.uum.edu.my/5399/2/s95155_abstract.pdf
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id	my-uum-etd.5399
record_format	uketd_dc
institution	Universiti Utara Malaysia
collection	UUM ETD
language	eng eng
advisor	Mohtar, Shahimi Othman, Abdul Aziz
topic	HF5415.33 Consumer Behavior. HG Finance
spellingShingle	HF5415.33 Consumer Behavior. HG Finance Murat, Mahad Factors influencing the acceptance of mobile banking services among students of higher education at Klang Valley in Malaysia
description	The mobile banking in Malaysia is still in its infancy stage and the reason to explain the acceptance as well as the understanding of the actual usage level of mobile banking services still remains unclear. Various models have been developed and proposed to increase the understanding of this issue. The proposed model of Decomposed Theory of Planned Behaviour was empirically evaluated by decomposing the attitude, perceived behavioural control, subjective norm, perceived risk and perceived trust. The decomposition approach adopted by models provide a detailed set of antecedents that could better explain the intention to adopt mobile banking. Data was collected through self administered survey questionnaire from 302 full time students in local public universities in Klang Valley, Malaysia. Structural Equation Modeling is the main statistical technique applied in this study. This study revealed that actual use of mobile banking recorded low level of usage. In particular, the study found that the attitude, perceived behavioural control and perceived trust are found to have a significant effect on the students‘ intention to use mobile banking except for subjective norm and perceived risk which were partially supported. However, on the antecedent effect of the main belief, the perceived ease of use and perceived security was found to have insignificant result. Overall, the result signifies that the model support a good understanding of the factors that influence the intention to use and actual usage of mobile banking. As expected, the main belief provides more decomposition of the specific factors that influence behaviour. Finally, limitations of the research and recommendations for future research are presented.
format	Thesis
qualification_name	Ph.D.
qualification_level	Doctorate
author	Murat, Mahad
author_facet	Murat, Mahad
author_sort	Murat, Mahad
title	Factors influencing the acceptance of mobile banking services among students of higher education at Klang Valley in Malaysia
title_short	Factors influencing the acceptance of mobile banking services among students of higher education at Klang Valley in Malaysia
title_full	Factors influencing the acceptance of mobile banking services among students of higher education at Klang Valley in Malaysia
title_fullStr	Factors influencing the acceptance of mobile banking services among students of higher education at Klang Valley in Malaysia
title_full_unstemmed	Factors influencing the acceptance of mobile banking services among students of higher education at Klang Valley in Malaysia
title_sort	factors influencing the acceptance of mobile banking services among students of higher education at klang valley in malaysia
granting_institution	Universiti Utara Malaysia
granting_department	Othman Yeop Abdullah Graduate School of Business
publishDate	2015
url	https://etd.uum.edu.my/5399/1/s95155.pdf https://etd.uum.edu.my/5399/2/s95155_abstract.pdf
_version_	1747827926228795392
spelling	my-uum-etd.53992021-04-04T07:58:30Z Factors influencing the acceptance of mobile banking services among students of higher education at Klang Valley in Malaysia 2015 Murat, Mahad Mohtar, Shahimi Othman, Abdul Aziz Othman Yeop Abdullah Graduate School of Business Othman Yeop Abdullah Graduate School of Business HF5415.33 Consumer Behavior. HG Finance The mobile banking in Malaysia is still in its infancy stage and the reason to explain the acceptance as well as the understanding of the actual usage level of mobile banking services still remains unclear. Various models have been developed and proposed to increase the understanding of this issue. The proposed model of Decomposed Theory of Planned Behaviour was empirically evaluated by decomposing the attitude, perceived behavioural control, subjective norm, perceived risk and perceived trust. The decomposition approach adopted by models provide a detailed set of antecedents that could better explain the intention to adopt mobile banking. Data was collected through self administered survey questionnaire from 302 full time students in local public universities in Klang Valley, Malaysia. Structural Equation Modeling is the main statistical technique applied in this study. This study revealed that actual use of mobile banking recorded low level of usage. In particular, the study found that the attitude, perceived behavioural control and perceived trust are found to have a significant effect on the students‘ intention to use mobile banking except for subjective norm and perceived risk which were partially supported. However, on the antecedent effect of the main belief, the perceived ease of use and perceived security was found to have insignificant result. Overall, the result signifies that the model support a good understanding of the factors that influence the intention to use and actual usage of mobile banking. As expected, the main belief provides more decomposition of the specific factors that influence behaviour. Finally, limitations of the research and recommendations for future research are presented. 2015 Thesis https://etd.uum.edu.my/5399/ https://etd.uum.edu.my/5399/1/s95155.pdf text eng public https://etd.uum.edu.my/5399/2/s95155_abstract.pdf text eng public Ph.D. doctoral Universiti Utara Malaysia Aboelmaged, M. G., & Gebba, T. R. (2013). Mobile Banking Adoption : An Examination of Technology Acceptance Model and Theory of Planned Behavior. International Journal of Business Research and Development, 2(1), 35–50. Adams, D. A., Nelson, R. R., & Todd, P. A. (1992). Perceived Usefulness, Ease of Use, and Usage of Information Technology: A Replication. MIS Quarterly, 16, 227–247. doi:10.2307/249577 Agarwal, R. (2000). 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