Hanudin_Final - Journal of Internet Banking and Commerce An...

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Journal of Internet Banking and Commerce An open access Internet journal (http://www.arraydev.com/commerce/jibc/ ) Journal of Internet Banking and Commerce, December 2007, vol. 12, no.3 ( http://www.arraydev.com/commerce/jibc/ ) Internet Banking Adoption Among Young Intellectuals Hanudin Amin Lecturer and Head of Islamic Finance Program, Universiti Malaysia Sabah-Labuan International Campus Postal Address: Labuan School of International Business and Finance, Universiti Malaysia Sabah-Labuan International Campus, Jalan Sungai Pagar, 87008 Labuan Federal Territory, Malaysia www.ums.edu.my Email: hanudin_zu@yahoo.com Hanudin has written several articles in Journal of Internet Banking and Commerce (JIBC). Indeed, this has pursued him to explore more area in Internet Banking and Commerce, to be published in JIBC. His areas of interest are Islamic banking products and e-banking. Abstract The aim of this paper is to study technology acceptance of internet banking among undergraduate students in Malaysia. Thus, the theoretical framework of the paper is based on modified version of Technology Acceptance Model (TAM). This paper develops a technology acceptance model for internet banking, a conceptual framework to explain the factors influencing undergraduate students' acceptance of internet banking. The model employs perceived usefulness (PU), perceived ease of use (PEOU), perceived credibility (PC) and computer self-efficacy (CSE). The first two are two initial constructs for TAM model. The rest are new constructs to be included in the model in order to have an extension of TAM model that better reflects the students’ view. The results suggest that PU, PEOU and PC had a significant relationship with behavioral intention. Further, these measures are good determinant for undergraduate acceptance for internet banking. Results also suggest that PU and PEOU had a significant relationship with CSE. On the contrary, CSE did not associate with PC. Also, PEOU had
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JIBC December 2007, Vol. 12, No. 3 - 2 - a significant relationship with PU and PC that indicate these scales are related to PEOU in explaining undergraduate preference. The paper is useful in providing the understanding of the TAM among undergraduate from Malaysians’ perspective. Keywords: Banking; Technology acceptance model; Students; Malaysia © Hanudin Amin, 2008 INTRODUCTION It is an accepted fact that Internet banking is become a central field of study by many researchers in Malaysia. Specifically, the recent study conducted in Internet banking is done by Guriting and Ndubisi (2006) who studied Borneo online banking. Among the other Malaysian internet banking researches are Ndubisi and Sinti (2006), Ndubisi et al. (2004), Suganthi and Balachandran (2001) and Shanmugam and Guru (2002), to
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This note was uploaded on 04/21/2011 for the course BUSINESS AAF001-1 taught by Professor Dr.tony during the Spring '11 term at University of Bedfordshire.

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Hanudin_Final - Journal of Internet Banking and Commerce An...

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