s95155 - FACTORS INFLUENCING THE ACCEPTANCE OF MOBILE...

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FACTORS INFLUENCING THE ACCEPTANCE OF MOBILE BANKING SERVICES AMONG STUDENTS OF HIGHER EDUCATION AT KLANG VALLEY IN MALAYSIA MURAT MAHAD DOCTOR OF PHILOSOPHY UNIVERSITI UTARA MALAYSIA August 2015
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ii FACTORS INFLUENCING THE ACCEPTANCE OF MOBILE BANKING SERVICES AMONG STUDENTS OF HIGHER EDUCATION AT KLANG VALLEY IN MALAYSIA By MURAT MAHAD Thesis Submitted to Othman Yeop Abdullah Graduate School of Business, Universiti Utara Malaysia, In Fulfillment of the requirement for the Degree of Doctor of Philosophy
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v PERMISSION TO USE In presenting this thesis in partial fulfillment of the requirements for a postgraduate degree from Universiti Utara Malaysia (UUM), I agree that the Library of this university may make it freely available for inspection. I further agree that permission for copying of this thesis in any manner, in whole or in part, for scholarly purpose may be granted by my supervisor(s) or, in their absence, by the Dean of Othman Yeop Abdullah Graduate School of Business where I did my thesis. It is understood that any copying or publication or use of this thesis or parts of it for financial gain shall not be allowed without my written permission. It is also understood that due recognition shall be given to me and to the Universiti Utara Malaysia (UUM) in any scholarly use which may be made of any material in my thesis. Request for permission to copy or make other use of materials in this thesis in whole or in part should be addressed to: Dean of Othman Yeop Abdullah Graduate School of Business Universiti Utara Malaysia 06010 UUM Sintok Kedah DarulAman
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vi ABSTRACT 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.
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