Receptiveness of internet banking by Malaysian consumer: study case in Malacca / Rozimah Hussin

This study is about receptiveness of Internet Banking by Malaysian consumers especially in Malacca. The aim of this study is to identify the factors that determine acceptance of internet banking by users. A questionnaire with five point of Likert-scales is applied to168 usable responses. The respondent consists of government servant and private sector employees. There used several method to analyze the influence of the independent variables towards the dependent variable for this study. The methods are Pearson's Correlation Coefficient, Multiple Linear Regression and Reliability Test. Four attributes will be tested, namely convenience, content, security and privacy. The research result indicates that there have two elements which are significant and another two elements are not significant. Convenience and security are the element that significant with respect to the users' acceptance of internet banking services. This paper shows that, the usage of internet banking is due to the convenience and security in order to perform the transaction and to minimize the risk of loss. This proves by the result from the SPSS program used. Overall, the researcher can consider the result gathered in this study is balanced.