A Study On Adoption Of Online Banking Application Among Generations In Melaka

Wan Abdullah, Wan Zul Atfi (2017) A Study On Adoption Of Online Banking Application Among Generations In Melaka. Project Report. Universiti Teknikal Malaysia Melaka, Melaka, Malaysia. (Submitted)

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Abstract

Internet banking is becoming a new focuses as the number of internet users is increasing globally and its benefits.This study aimed to investigate the factors and determinants of internet banking adoption among two generations which is baby boomers generation and generation Y (Gen Y) in Melaka.The adaptation of online banking application occur at a slow rate due to costs issues,trust in one’s bank and security concerns,.The contribution of this research perhaps can be enhanced user to use this technology.Therefore,the Technology Acceptance Model (TAM) model is tested and revalidated in this research to understand and measure the use and acceptance of technology in online banking application. The TAM model is useful to explain the understanding of individual in that technology.In this research,TAM model was verified in the context of online banking application adoption in Melaka.Accordingly,this study has analyzed the factors on perception of online banking adoption towards the adoption and use of technology.The data was then analyzed using SPSS through exploratory factor analysis and multiple linear regression analysis.As a result,TAM model for online banking adoption have been introduced.The results has demonstrated that social influence,expected effort and performance are significant in influencing behavioral intentions to use technology. In addition,the conclusion of this study provides a wide range of implications in the different context of use and adoption of online banking applications.

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