Abstract-This study aims to identify the perceptual differences between Internet Banking Adopters and Non-adopters especially in the Malaysian Retail Banking Sector. It investigates whether the perception varies between adopters and non-adopters on the adoption factors such as easier to operate, convenient to use, hassle free, reliable, safer to use and requirement for good Internet connections. This study employs a quantitative approach using a questionnaire survey at selected banks in Malaysia. The results indicate that there are significant differences in perception between internet banking adopters and non-adopters in terms of easier to operate, convenient, no hassle, reliable, safer to use and requirement for good Internet connections. Therefore, the result suggests managerial implications for retail bankers in Malaysia to minimize the risk perception of the internet banking among the non-adopters of the internet banking.
The purpose of this study is to understand the factors influencing outsourcing decision in the manufacturing industry. Existing literature reveals that manufacturing industry face with challenges in the competitive environment with expectation to produce products at the lowest cost possible yet meet customer specification without affecting the quality and delivery schedules. Thus, outsourcing has become one of the alternative opportunities among the manufacturing firms. The theoretical framework is developed to understand four components namely operating cost, new product development, internal resources and technology, and as well as management competency as the determinants of outsourcing decision. This is a quantitative research and survey instrument was used. The questionnaire was distributed to 150 firms in Northern region of Malaysia with a response rate of 45%. The data was analyzed using regression to test the hypotheses. The findings showed that capital investment, latest technology and high efficiency becomes the key determinants for outsourcing decision among the manufacturing firms. It poses some implications for managers and policy makers.
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