Examining Attributes of Mobile Banking And Its Success in Malaysia


Goh, Dianne Ming Hui (2019) Examining Attributes of Mobile Banking And Its Success in Malaysia. Masters thesis, Multimedia University.

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Official URL: http://erep.mmu.edu.my/


Mobile banking is a new banking medium by which customers can perform banking transactions and manage their accounts without the constraint of place and time. In most studies it has been observed that the growth of mobile banking is still in its early stages and has yet to reach its potential of becoming the primary channel for addressing the banking needs of customers. The Financial Sector Blueprint (2011-2020) which put emphasis on mobile banking policy could fail to meet its expectation. This research empirically investigates the key factors influencing mobile banking adoption amongst banking users in Malaysia. Integrated framework adapting Technology Acceptance Model (TAM), Innovations Diffusion Theory (IDT) and trust theory is therefore used. Also, gender, age and technology anxiety are taken into consideration. Purposive sampling method was used where the targeted respondents must have prior experience in mobile banking. The data was collected using adapted questionnaire and total of 385 valid responses was analysed. For hypotheses testing, Structural Equation Modelling (SEM) was used to confirm the relationship between variables. In a direct relationship, perceived ease of use, perceived relative advantage, perceived compatibility, perceived competence, perceived benevolence, and perceived integrity are found to have significant effect on mobile banking adoption. When mediation takes place, it is found that attitude has either full or partial mediating effect on perceived ease of use, perceived compatibility and perceived competence with mobile banking adoption. Age, gender and technology anxiety are also found to have impacts on the overall direct model. Understanding what impacts users to adopt mobile banking is beneficial to banks, government and commerce practitioners. In theoretical aspects, this research may have some contributions to the literatures in the related field.

Item Type: Thesis (Masters)
Additional Information: Call No: HG1616.M54 G64 2019
Uncontrolled Keywords: Banks and banking, Mobile
Subjects: H Social Sciences > HG Finance > HG1501-3550 Banking
Divisions: Faculty of Business (FOB)
Depositing User: Ms Nurul Iqtiani Ahmad
Date Deposited: 22 May 2023 08:26
Last Modified: 22 May 2023 08:26
URII: http://shdl.mmu.edu.my/id/eprint/11432


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