Awareness on electronic central credit reference information system (E-CCRIS) among society in Kota Bharu, Kelantan/ Norhidayu Alias

Central Credit Reference Information System (CCRIS) is a computerised database system which credit-related data received from participating financial institutions and convert the information into credit reports and made available (upon request) to the financial institutions and the borrowers. Any individual may request to access to his/her credit information from the Bank Negara Malaysia (BNM). Electronic Central Credit Reference Information System (e-CCRIS) is a new approach introduced by BNM to access the credit. The purpose of the study is to know whether there are significant associations between perceived usefulness, ease of use, perceived enjoyment and security and privacy towards awareness of e-CCRIS. A type of simple random sampling has been used in the survey towards 200 respondents and questionnaires have been distributed to society around Kota Bharu, Kelantan. A total of 1 85 respondents are valid, complete and accepted. The results are interpreted using three methods which are reliability and validity tests, descriptive statistics and one-way ANOVA. This study that there are significant associations between perceived usefulness. ease of use, perceived enjoyment and security and privacy towards of e-CCRIS.