The mediating effect of attitude on direct and indirect determinants of Internet banking usage in Malaysia

Internet banking in Malaysia has been in existence for more than two decades. However, there is still lack of studies in discovering the aspects of attitude and behavior of the retail banking customers towards the adoption of the internet banking services. Therefore, this study aims to investigate t...

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Main Author:	Ahmad Kamal, Sindin
Format:	Thesis
Language:	eng eng
Published:	2016
Subjects:	HG Finance
Online Access:	https://etd.uum.edu.my/6356/1/s90860_01.pdf https://etd.uum.edu.my/6356/2/s90860_02.pdf
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id	my-uum-etd.6356
record_format	uketd_dc
institution	Universiti Utara Malaysia
collection	UUM ETD
language	eng eng
advisor	Nik Mat, Nik Kamariah
topic	HG Finance
spellingShingle	HG Finance Ahmad Kamal, Sindin The mediating effect of attitude on direct and indirect determinants of Internet banking usage in Malaysia
description	Internet banking in Malaysia has been in existence for more than two decades. However, there is still lack of studies in discovering the aspects of attitude and behavior of the retail banking customers towards the adoption of the internet banking services. Therefore, this study aims to investigate the determinants of the internet banking usage from the angle of attitude and behavior of these customers in the internet banking usage. This study employed the Technology Acceptance Model by Davis as the underpinning theory and further enhanced it to the Extended Technology Acceptance Model by taking into account factors such as trust, internet self-efficacy, and subjective norm as the additional predictors of internet banking usage via the mediating effect of attitude towards usage. The study setting was based on five top commercial banking in Malaysia and systematic random sampling of data collection was done through households via self–administered questionnaire and analysis was done by using the structural equation modelling as the statistical tool. The findings show that perceived ease of use and attitude have a positive significant effect on internet banking usage while perceived usefulness and internet self-efficacy have a positive impact on attitude. The findings further reveal that perceived usefulness and internet self-efficacy mediate through attitude on the internet banking usage while trust, perceived ease of use, and subjective norm do not mediate through attitude on the internet banking usage. These results are immeasurably valuable to practitioners for managing and executing their marketing strategy. Furthermore, it contributes and enriches knowledge pertaining to the predictors of internet banking usage.
format	Thesis
qualification_name	Doctor of Business Administration (DBA)
qualification_level	Doctorate
author	Ahmad Kamal, Sindin
author_facet	Ahmad Kamal, Sindin
author_sort	Ahmad Kamal, Sindin
title	The mediating effect of attitude on direct and indirect determinants of Internet banking usage in Malaysia
title_short	The mediating effect of attitude on direct and indirect determinants of Internet banking usage in Malaysia
title_full	The mediating effect of attitude on direct and indirect determinants of Internet banking usage in Malaysia
title_fullStr	The mediating effect of attitude on direct and indirect determinants of Internet banking usage in Malaysia
title_full_unstemmed	The mediating effect of attitude on direct and indirect determinants of Internet banking usage in Malaysia
title_sort	mediating effect of attitude on direct and indirect determinants of internet banking usage in malaysia
granting_institution	Universiti Utara Malaysia
granting_department	Othman Yeop Abdullah Graduate School of Business
publishDate	2016
url	https://etd.uum.edu.my/6356/1/s90860_01.pdf https://etd.uum.edu.my/6356/2/s90860_02.pdf
_version_	1747828064606224384
spelling	my-uum-etd.63562021-04-05T01:42:36Z The mediating effect of attitude on direct and indirect determinants of Internet banking usage in Malaysia 2016 Ahmad Kamal, Sindin Nik Mat, Nik Kamariah Othman Yeop Abdullah Graduate School of Business Othman Yeop Abdullah Graduate School of Business HG Finance Internet banking in Malaysia has been in existence for more than two decades. However, there is still lack of studies in discovering the aspects of attitude and behavior of the retail banking customers towards the adoption of the internet banking services. Therefore, this study aims to investigate the determinants of the internet banking usage from the angle of attitude and behavior of these customers in the internet banking usage. This study employed the Technology Acceptance Model by Davis as the underpinning theory and further enhanced it to the Extended Technology Acceptance Model by taking into account factors such as trust, internet self-efficacy, and subjective norm as the additional predictors of internet banking usage via the mediating effect of attitude towards usage. The study setting was based on five top commercial banking in Malaysia and systematic random sampling of data collection was done through households via self–administered questionnaire and analysis was done by using the structural equation modelling as the statistical tool. The findings show that perceived ease of use and attitude have a positive significant effect on internet banking usage while perceived usefulness and internet self-efficacy have a positive impact on attitude. The findings further reveal that perceived usefulness and internet self-efficacy mediate through attitude on the internet banking usage while trust, perceived ease of use, and subjective norm do not mediate through attitude on the internet banking usage. These results are immeasurably valuable to practitioners for managing and executing their marketing strategy. Furthermore, it contributes and enriches knowledge pertaining to the predictors of internet banking usage. 2016 Thesis https://etd.uum.edu.my/6356/ https://etd.uum.edu.my/6356/1/s90860_01.pdf text eng public https://etd.uum.edu.my/6356/2/s90860_02.pdf text eng public dba dba Universiti Utara Malaysia Abbasi, M. S., Chandio, F. H., Soomro, A. F., & Shah, F. (2011). Social influence, voluntariness, experience and the internet acceptance: An extension of technology model within a South-Asian country context. Journal of Enterprise Information Management, 24(1), 30-52. Abdulkadir, N., Galoji, S. I., & Razak, R. A. (2013). 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