Mobile Banking Adoption and its Determinants in Malaysia

Rehman*, Zahoor Ur; Omar, Siti Sarah; Zabri, Shafie Bin Mohamad; Lohana, Sonia

doi:10.35940/ijitee.l3015.119119

Cited by 9 publications

(6 citation statements)

References 44 publications

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“…These indicators help customers make informed decisions about switching from conventional services to mobile banking, as the ease of using a mobile platform influences customer loyalty, attitudes, and intentions. Prastiawan Rehman et al, 2019). In previous research, it has been proven that attitude can mediate the relationship between perceived ease of use and behavioral intention (Fachreza & Besra, 2022).…”

Section: Perceived Usefulnessmentioning

confidence: 97%

Technology Acceptance Modelling for Jconnect Mobile Users (Study at Bank Jatim Regional Lamongan)

Augusta,

Susant,

Budiarti

2024

IJSSHMR

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This research aims to analyze the influence of perceived usefulness and perceived ease of use on behavioral intention by mediating attitude. This research focuses on customers from Bank Jatim Regional Lamongan that using Jconnect Mobile. This research used purposive sampling with a sample of 166 respondents. These respondents were selected based on certain criteria, namely customers from Bank Jatim Regional Lamongan that using Jconnect Mobile aged between 20 to 45 years old. SmartPLS V4 was chosen to evaluate research results. The results show that perceived usefulness and perceived ease of use are proven to have a direct positive and significant effect on attitude. Perceived usefulness is proven to have a direct positive and positive effect on behavioral intention, while perceived ease of use is not proven to have a direct effect on behavioral intention. Then, attitude is proven to have a direct positive and significant effect on behavioral intention. Attitude has been proven to be able to partially mediate the relationship between perceived usefulness and behavioral intention, and also fully mediate the relationship between perceived ease of use and behavioral intention.

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Section: Perceived Usefulnessmentioning

confidence: 97%

Technology Acceptance Modelling for Jconnect Mobile Users (Study at Bank Jatim Regional Lamongan)

Augusta,

Susant,

Budiarti

2024

IJSSHMR

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“…This enables them to offer a wide array of financial services through a digital interface usually in the form of an online application [11]. The advancement of mobile banking apps and e-wallets has displayed notable progress that showcased the nation's increasing focus on digital financial services [12]. It provides an interface for users to connect with the banking platform using their mobile devices.…”

Section: Current State Of Malaysia Web 20 Financial Systemmentioning

confidence: 99%

The Exploration and Analysis of Malaysia Web 3.0 Financial System’s Design Factors with Quantitative Survey and Clustering Method

2024

nano-ntp

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While the adoption of Internet technology has revolutionized the Malaysian financial industry, the current Malaysia Web 2.0 financial systems lack transparency, security, and accessibility. The shortcomings could be resolved by introducing Web 3.0 to Malaysia's financial industry. This research aimed to explore the factors that influenced the adoption of Web 3.0 financial systems among Malaysian adults. Firstly, a Web 3.0 prototype system was developed with Web 3.0 design features. The web system's interfaces were included in the questionnaire form, where 150 Malaysian adults were prompted to respond with their agreement on whether the factors of decentralization, security, transparency, accessibility, effectiveness, learnability, and ease of use are important and have positive significant relationships with intention to use Web 3.0 financial systems. The findings from hypothesis analysis found that only the factors of transparency, security, and accessibility had positive relationships with the intention to use Web 3.0 financial systems among Malaysian adults. The findings were later proposed as Malaysia Web 3.0 financial systems' design framework, and further analyzed with the K-Means clustering method, for the benefit of Web 3.0 industry players to better understand adult users' preferences. These research findings will support and grow the usage of Malaysia's Web 3.0 finance systems.

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“…Fintech services such as online banking, debit cards, and roboadvisors are also rising (Alam, 2021;Rahim et al, 2021). Malaysian banks are taking innovative approaches to provide broader financial services while reducing costs and increasing customer satisfaction (Rehman & Zabri, 2020;Yadav, 2020). The Investment Account Platform (IAP) was established in 2015 and combined the credit-scoring skills of Islamic banks with the power of technology to transfer cash from investors to companies (Miskam et al, 2018).…”

Section: Malaysiamentioning

confidence: 99%

Digital Transformation of Saudi Arabia’s Banking: A Comparative Study

2023

ijibfr

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Banks' digital transformation has become a growing and competitive research area in the last decade. This study aims to compare the digital transformation of the Saudi banking sector with that of developed and emerging Islamic countries by examining progress, digital solutions to banking services provided, and regulatory frameworks. To this end, a systematic review was conducted, analyzing 44 primary documents and seven websites collected through a 5-step process: scoping, planning, searching, selection, and eligibility. Next, a comparative analysis of these documents was conducted, analyzing the similarities and differences of the digital transformation processes addressed by Saudi Arabia, the U.S., the United Kingdom, and Malaysia. The findings revealed that Saudi Arabia and Malaysia have banking sectors of similar size, smaller than those of the U.S. and the U.K., although all of these sectors are of significant importance in the economies of their respective countries, as measured by their share in GDP. All countries have adopted similar digital technologies and offer very similar banking services. Concerning its regulatory frameworks, the U.K.'s sandbox approach is the most effective and inspiring. At the same time, the U.S. needs to catch up due to its regulatory complexities and differences in approach between federal and state jurisdictions. For their part, Saudi Arabia and Malaysia have developed their regulatory frameworks with approaches inspired by the U.K. model, although both differ in the degree of Sharia compliance.

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Mobile Banking Adoption and its Determinants in Malaysia

Cited by 9 publications

References 44 publications

Technology Acceptance Modelling for Jconnect Mobile Users (Study at Bank Jatim Regional Lamongan)

Technology Acceptance Modelling for Jconnect Mobile Users (Study at Bank Jatim Regional Lamongan)

The Exploration and Analysis of Malaysia Web 3.0 Financial System’s Design Factors with Quantitative Survey and Clustering Method

Digital Transformation of Saudi Arabia’s Banking: A Comparative Study

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