Theory of Planned Behaviour: Influence of the Constructs on Behavioural Intention in Digital Banking

Abstract

The introduction of digital banking might have a negative or positive impact on the value of the financial system. It is a tremendous chance for the firms that are prepared for the huge transformation since customers have turned their preference towards cashless transaction due of the COVID-19 pandemic. Based on the notion that digital banks would soon enter the Malaysian banking market, this research seeks to analyse customer behaviour intention using the Theory of Planned Behaviour (TPB). A Theory of Planned Behaviour, Ajzen (1991) explains that a person behavioural action is based on an immediate antecedent, which is his or her behavioural intention. This conceptual paper proposes three construct which are attitude, social norm and perceived behaviour control that influence consumers' behaviour intention to use digital banking. Past studies have found mixed results from the three constructs to the behaviour intention. Besides that, age apparently has no significant moderating role in the intention of technology acceptance within the context of TPB. Therefore, this study aims to investigate three constructs moderated by age in influencing the behaviour intention. Quantitative questionnaire is used to measure responses of participants.