Investigating the Factors Influence Adoption of Internet Banking in Malaysia: Adopters Perspective

Abstract

The main purpose of this research is to investigate the factors that influence adopters to take up the Internetbanking services in Malaysia. The sampling units in this survey are the adopters of Internet banking who wereusing it for at least six months. A total of 116 useable questionnaires was coded and analyzed by using SPSSsoftware. Statistical methods like descriptive analysis, factor analysis and regression analysis were used in thisresearch. The regression results showed that Complexity, Security and Ccustomer Experience were theinfluencing factors of Internet banking services. However, Individual Characteristics was found to be partiallyinfluencing the adopters in their decision to adopt the Internet banking facilities.