BRM Assignment_final - Faculty of Business and Information...

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A coursework completed as part of the requirement for SUBJECT NAME: Business Research Methods SUBJECT CODE: BB204 LECTURER/TUTOR: Ms. YEOH SOK FOON Entitled ASSIGNMENT TITLE : Understanding the factors that influence students intention to use mobile banking in UCSI Submitted on DATE OF SUBMISSION : DUE DATE : 25 th March 2014 Words count: Produced by STUDENT NAME & ID: CHAPTER 1 Faculty of Business and Information Science Name Student ID Programme Signature Lee Swee Lin 1001128901 BA(Hons) Accounting & Finance Dan Soo Yiong Cheong 1001129119 BA(Hons) Accounting & Finance Ng Zhen Cheng 1001129132 BA(Hons) Accounting & Finance
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INTRODUCTION This study begins with information related to the introduction of this study. The problem statement is stated. This followed by research questions, objectives, and hypotheses as well as the significance of study is developed. This study is conducted by using the Technology Acceptance Model (TAM). 1.1 Background Malaysian Deputy of Finance, Datuk Ahmad Maslan said that the banking in Malaysia through the internet has rapidly grown with the use of smartphones and tablet (Deputy Finance Minister: 14.6m Internet banking subscribers in Malaysia). According to the statistics, it says that adoption of mobile banks services is rising. In 2010, over 60% of banks throughout the world have planned to offer banking services for the mobile users considering that users of mobile banks in United States only may already reached 11 million households in 2009 ( Sripalawat, Thongmak & Ngarmyarn, 2011). Gartner’s prediction of leading trends of 2012 in mobile applications and mobile commerce will remain as most important one. Gartner further predict in the future mobile devices will replace PCs as the main device to access the internet (Chen, 2013). Today, many banks seek new tactics that will support online information sharing and transactions. Mobile banking is one of the strategies refers to use mobile devices to provide financial information, communication and transactions to customers such as checking account balances, transferring funds and accessing other banking services and products at anytime and
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anywhere (Ensor, et al ., 2012; ITU, 2012 as cited in Aboelmaged & Gebba, 2013). A survey conducted by ComScore Inc (2012) revealed that nearly 70 percent of the customers were pleased with their financial institution’s web site. Online banking has increased and mobile banking has gained popularity, especially in mobile app usage. The number of online banking customers has more than doubled since 2004. Approximately 66 percent of online banking customers paid their bills online, while 29 percent of those paying their bills online also used their bank, credit card provider, and third parties (ComScore Inc., 2012 as cited in Chen, 2013). According to Statistic Brain (2014), about 81% household finances have banked online at least once in the past 12 months. Additionally, online banking has increase among Americans to 69 million. Although internet banking is growing, mobile banking still remains in its infancy. It is
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