Abstract
The development and invention of technology has transformed the way organizations conduct their businesses currently including banking institutions mainly in offering online banking services. Since the year of 2000, online banking services have been introduced in Malaysia. Still, online banking users in Malaysia are intolerant by issues of trust towards online banking which affect their level of acceptance. This study aims to identify the effect of perceived ease of use and trust towards intention to use internet banking among staff in Municipal Council in Malaysia. Technology Acceptance Model (TAM) was used as a research framework. 265 online banking users in a Municipal Council in Malaysia were tested using self-administered questionnaire. To examine the relationship between perceived ease of use and trust towards the intention to use internet banking, Pearson correlation and multiple regression were employed. The findings showed that perceived ease of use and trust have significant relationship with the intention to use internet banking. The outcomes offered valued information for both financiers and policy makers particularly when designing online banking marketing approaches
Highlights
A secure website offered by the bank to perform business or financial deals as well as other financial facilities can be described as online banking
The questionnaire was distributed to 260 staffs in a municipal council in Kuala Lumpur with 81.5% return rate
The residual 25.9% of the model will be described by other factors. This highlighted the positive relationship between perceived ease of use and trust towards Intention to use when referring to the individual contribution dimension presented in the table 7 represented Perceived ease of use (β = 0.579, p < 0.000) and Trust (β = 0.541, p < 0.000) respectively
Summary
A secure website offered by the bank to perform business or financial deals as well as other financial facilities can be described as online banking. Banking segments are among the sectors that realized technological revolution from both the end user and organizational viewpoints. Strong competition among banking institutions, globalization in marketplace as well as technology expansion have forced banks to find new market and advanced financial services. The adoption of the Internet as online business tools by banking industry has shifting routine banking activities into online banking (Michailidis, Maria, Stefanos, Aphrodite & Chrysanthi, 2011). Information technology has improved performance and revolution in the industry. Banking industry has been transformed globally through internet banking (Malhotra and Singh (2010).
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