Determinants for adoption of internet banking an exploration study / Firna Erkafitrie Yusuf

Internet banking is getting very common and there is an increasing number of internet banking customers. However, there are still many customers who are not willing to adopt the internet banking services whereas some of them have been the users but have become inactive. As such, the factors affecting the adoption of Internet banking or the determinants for adoption of Internet banking are necessary to be understood in order to manage these customers well. This exploratory research aimed to determine the factors affecting the adoption of internet banking. The six determinants found after the quantitative analyses of the survey data (280 questionnaires) were namely: Perceived Usefulness, Perceived Ease of Use, Perceived Enjoyment, Information Security, Trust, and Confidentiality. The most important factor which affected the adoption of internet banking was Perceived Ease of Use. Some of the demographic characteristics of the customers tend to have significant influences on these factors.