Discovering e-banking adoption among UiTM Pahang staffs / Jamalina Ismail, Putri Reskia Zulkarnain and Safuraa Mohamad

Internet banking or in the other words electronic banking, online banking, and virtual banking also called e-banking can be defined as the automated delivery of new and traditional banking products and services directly to customers through electronic, interactive communication channels. Internet banking includes the systems that enable financial institution customers, individuals or businesses, to access accounts, transact business, or obtain information on financial products and services. (FFIEC; 2003). It provides a fast and convenient way of performing common banking transactions, such transferring funds from your savings account to your current account, or even to a third party's account. Internet banking services are delivered to customers through the Internet and the web using Hypertext Markup Language (HTML). In order to use e-banking services, customers need Internet access and web browser software. Multimedia information in HTML format from online banks can be displayed in web browsers. The main of the internet banking application is the computer system, which includes web servers, database management systems, and web application programs that can generate dynamic HTML pages. (FFIEC; 2003). According to Wai-Ching Poon (2008) deregulation has enabled a greater degree of competition in e banking services. Moving towards an industrialization nation with knowledge economy as the backdrop, the personal computer (PC) and online way of life is growing in Malaysia. With the proliferation of internet expansion and computers usage, the electronic delivery of banking service has become ideal for banks to meet customer's expectations. Compatible with the revolutionary components of the electronic market place ,Malaysia has actively developed e-banking services since mid 2000.