The Role of Personal Innovativeness and Facilitating Conditions in Shaping the Attitudes of Mobile Internet Banking (MIB) Adoption among Generation Y in Malaysia

Abstract

The study investigates the determinants of mobile Internet banking adoption among Gen-Y in Malaysia. Align the issue of the study and research objectives, and the study underpinned Technology Acceptance Model (TAM) as the main guideline or a blueprint to analyze the research model. The study applied survey research design and analyzed using Structural Equation Modelling (SEM) under the PLS-SEM technique with SmartPLS 2.0. A total of 358 mobile internet banking users in Malaysia were random proportional selected as respondents and analyzed. Results from the partial least square structural equation modeling (PLS-SEM) revealed that perceived ease of use, perceived usefulness, facilitating condition, and personal innovativeness in IT have significantly influenced the attitude of mobile internet banking adoption in Malaysia. Additionally, perceived ease of use and facilitating conditions found to have a significant influence on the perceived usefulness of Mobile Internet Banking. Lastly, facilitating conditions and personal innovativeness in IT are significantly influence the perceived ease of use of mobile internet banking among Gen-Y in Malaysia

Factors Influence Online Donation during Covid-19 Pandemic

“…The perceived ease of use is significantly influenced by facilitating conditions and personal innovativeness in IT. It is proven by Lim et al (2020) empirical study, which stated that facilitating conditions influence the perceived ease of use significantly. Lim et al (2020) stated that facilitating condition and effort expectancy significantly influence the behavioural intention variable (behavioural intention).…”

“…It is proven by Lim et al (2020) empirical study, which stated that facilitating conditions influence the perceived ease of use significantly. Lim et al (2020) stated that facilitating condition and effort expectancy significantly influence the behavioural intention variable (behavioural intention). From the above discussion, it can be stated that H2.…”

“…The condition of the facility (Facilitating Condition) has a positive and significant effect on the ease of donating online (Effort Expectancy). Lim et al (2020) proved that facilitating conditions are essential in predicting the perceived usefulness of mobile internet banking among Gen-Y in Malaysia. Lim then suggests that facilitating conditions could increase the perception and capabilities of an individual toward the usefulness of the mobile banking application (Lim et al, 2020).…”

“…Lim et al (2020) proved that facilitating conditions are essential in predicting the perceived usefulness of mobile internet banking among Gen-Y in Malaysia. Lim then suggests that facilitating conditions could increase the perception and capabilities of an individual toward the usefulness of the mobile banking application (Lim et al, 2020). Facilitating conditions which help in the delivery of mobile internet banking services will enhance the perception of usefulness and confidence of an individual to have a positive attitude to adopt mobile internet banking (Crabbe, 2009).…”

“…To improve the quality of online donation payments, it is necessary to research the use behaviour of donors. The model considered in analysing the behaviour of using this technology is the UTAUT (Unified Theory of Acceptance and Use of Technology) model as in the research of Sivanthanu (2017), Oliveira et al (2014), Sulaeman and Ninglasari (2020), Tarhini et al (2014), Lim et al (2020), Zhou et al (2010), Mahri et al (2019), Rahmat andPurnaningsih (2020), Gupta and Aurora (2019), Farabi (2016) and Oetari and Maryani (2020). UTAUT was built for use in information and communication research through evaluation and a combination of model factors from previous studies to explain information systems.…”