Factors influencing the acceptance of mobile banking services among students of higher education at Klang Valley in Malaysia

The mobile banking in Malaysia is still in its infancy stage and the reason to explain the acceptance as well as the understanding of the actual usage level of mobile banking services still remains unclear. Various models have been developed and proposed to increase the understanding of this issue. The proposed model of Decomposed Theory of Planned Behaviour was empirically evaluated by decomposing the attitude, perceived behavioural control, subjective norm, perceived risk and perceived trust. The decomposition approach adopted by models provide a detailed set of antecedents that could better explain the intention to adopt mobile banking. Data was collected through self administered survey questionnaire from 302 full time students in local public universities in Klang Valley, Malaysia. Structural Equation Modeling is the main statistical technique applied in this study. This study revealed that actual use of mobile banking recorded low level of usage. In particular, the study found that the attitude, perceived behavioural control and perceived trust are found to have a significant effect on the students‘ intention to use mobile banking except for subjective norm and perceived risk which were partially supported. However, on the antecedent effect of the main belief, the perceived ease of use and perceived security was found to have insignificant result. Overall, the result signifies that the model support a good understanding of the factors that influence the intention to use and actual usage of mobile banking. As expected, the main belief provides more decomposition of the specific factors that influence behaviour. Finally, limitations of the research and recommendations for future research are presented

Disposition to trust, interpersonal trust and institutional trust of mobile banking in Malaysia

Mobile banking refers to the use of smart phones or other mobile devices to perform tasks online banking from your home computer, such as monitoring the account balances, transfer of funds between accounts, pay bills and prepaid top-up. Mobile banking is a new strategy for the bank to enhance their latest technology in a new dynamic marketing environment.The low penetration of mobile banking in Malaysia, especially in terms of adoption patterns is becoming the research interest, especially when compared to the total number of cellular telephone subscriptions. The penetration rate of mobile banking in Malaysia is still in the minority.One of the issues identified by a few researchers is the perception of trust. This article will discuss along the trust issue and its constituents and then after the intention to use of mobile banking services. The bank should enhance their strategy to improve and develop new strategy in order to gain more utilization and adoption on intention to use. This article attempts to discuss on the element of trust to benefit the service provider in Malaysia

Factor affecting mobile adoption companies in Malaysia

Mobile banking refers to the use of smart phones or other mobile devices to perform tasks online banking from your home computer, such as monitoring the account balances, transfer of funds between accounts, pay bills and prepaid top-up. Mobile banking is a new strategy for the bank to enhance their latest technology in a new dynamic marketing environment.The low penetration of mobile banking in Malaysia, especially in terms of adoption patterns is becoming the research interest, especially when compared to the total number of cellular telephone subscriptions, which recorded the highest number of penetration rates in quarter three of 146.2% in 2013. Although the number of cellular telephone users is huge, yet the mobile banking penetration rate was just 12.7% last year against the total population.This implies that those who employ the mobile banking market is still the minority.Thus, more effort needs to be practiced to amend the number of users and penetration rate of mobile banking. Even if mobile banking is relatively new in Malaysia, it is very important for the banks to mitigate this issue and thus can draw more users.It is a fact that mobile banking is yet in its infancy and quite foreign to the people of Malaysia. The purpose of this study was to explore the affecting factors of intention to use of mobile banking in Malaysia. The issue of risk in term of security, privacy, financial, time and performance are the five important dimensions in risk factor that may affect the user’s intention to adopt the mobile banking services.Therefore, this study attempts to further discuss on the elements of risk to have a better understanding of the adoption of the mobile banking.The findings of this study are very important for the banking services in Malaysia to have a better outcome and strategy to increase the penetration rate of mobile banking users