The purpose of this paper is to empirically examine determinants of e-commerce adoption among Malaysian small-and medium-sized enterprises (SMEs). This study tested eight hypotheses on determinants affecting e-commerce adoption with empirical data from several survey instruments: an online questionnaire-based survey, mailed survey and questionnaire collected in-person from a sample of 307 SMEs in Malaysia. The findings show that e-commerce adoption within Malaysian SMEs is affected by perceived relative advantage, perceived compatibility, managers/owner's knowledge and expertise, management characteristics and external change agents. This study contributes to enhancing the understanding of the determinants of adopting e-commerce in SMEs and provides some interesting perspective from Malaysia. Those parties interested in promoting their business online may find these results helpful in guiding their efforts.

Internet banking (IB) has become one of the widely used banking services among Malaysian retail banking customers in recent years. Despite its attractiveness, customer loyalty towards Internet banking website has become an issue due to stiff competition among the banks in Malaysia. As the development and validation of a customer loyalty model in Internet banking website context in Malaysia had not been addressed by past studies, this study attempts to develop a model based on the usage of Information System, with the purpose to investigate factors influencing customer loyalty towards Internet banking websites. A questionnaire survey was conducted with the sample consisting of Internet banking users in Malaysia. Factors that influence customer loyalty towards Internet banking website in Malaysia have been investigated and tested. The study also attempts to identify the most essential factors among those investigated: service quality, perceived value, trust, habit and reputation of the bank. Based on the findings, trust, habit and reputation are found to have a significant influence on customer loyalty towards individual Internet banking websites in Malaysia. As compared to trust or habit factors, reputation is the strongest influence. The results also indicated that service quality and perceived value are not significantly related to customer loyalty. Service quality is found to be an important factor in influencing the adoption of the technology, but did not have a significant influence in retention of customers. The findings have provided an insight to the internet banking providers on the areas to be focused on in retaining their customers.

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