UUM Electronic Theses and Dissertation
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Factors influencing the acceptance of mobile banking services among students of higher education at Klang Valley in Malaysia

Murat, Mahad (2015) Factors influencing the acceptance of mobile banking services among students of higher education at Klang Valley in Malaysia. PhD. thesis, Universiti Utara Malaysia.

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The mobile banking in Malaysia is still in its infancy stage and the reason to explain the acceptance as well as the understanding of the actual usage level of mobile banking services still remains unclear. Various models have been developed and proposed to increase the understanding of this issue. The proposed model of Decomposed Theory of Planned Behaviour was empirically evaluated by decomposing the attitude, perceived behavioural control, subjective norm, perceived risk and perceived trust. The decomposition approach adopted by models provide a detailed set of antecedents that could better explain the intention to adopt mobile banking. Data was collected through self administered survey questionnaire from 302 full time students in local public universities in Klang Valley, Malaysia. Structural Equation Modeling is the main statistical technique applied in this study. This study revealed that actual use of mobile banking recorded low level of usage. In particular, the study found that the attitude, perceived behavioural control and perceived trust are found to have a significant effect on the students‘ intention to use mobile banking
except for subjective norm and perceived risk which were partially supported. However, on the antecedent effect of the main belief, the perceived ease of use and perceived security was found to have insignificant result. Overall, the result signifies that the model support a good understanding of the factors that influence the intention to use and actual usage of mobile banking. As expected, the main belief provides more decomposition of the specific factors that influence behaviour. Finally, limitations of the research and recommendations for future research are presented.

Item Type: Thesis (PhD.)
Supervisor : Mohtar, Shahimi and Othman, Abdul Aziz
Item ID: 5399
Uncontrolled Keywords: Decomposed theory of planned behavior, mobile banking services, acceptance, perceived risk, perceived trust and actual use.
Subjects: H Social Sciences > HF Commerce. > HF5415.33 Consumer Behavior.
H Social Sciences > HG Finance
Divisions: Othman Yeop Abdullah Graduate School of Business
Date Deposited: 07 Jan 2016 07:15
Last Modified: 04 Apr 2021 07:58
Department: Othman Yeop Abdullah Graduate School of Business
Name: Mohtar, Shahimi and Othman, Abdul Aziz
URI: https://etd.uum.edu.my/id/eprint/5399

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