TY  - JOUR
T1  - Antecedents of the Use of Online Banking by Students in Malaysia Extended TAM Validated Through SEM
AU - Jan, Muhammad Tahir AU - Haque, Ahasanul 
JO  - International Business Management
VL  - 8
IS  - 5
SP  - 277
EP  - 284
PY  - 2014
DA  - 2001/08/19
SN  - 1993-5250
DO  - ibm.2014.277.284
UR  - https://makhillpublications.co/view-article.php?doi=ibm.2014.277.284
KW  - Online banking
KW  -TAM
KW  -SEM
KW  -students behaviour
KW  -Malaysia
AB  - The radical advances in the electronic banking technologies have inaugurated 
  unique methods of transaction with a bank, especially using online banking medium. 
  The main purpose of this study is to replicate an extended Technology Acceptance 
  Model (TAM) in order to determine those factors that impact the students’ 
  intention to use online banking, in Malaysian context. The 2 main banks were 
  selected for data collection purposes, namely, Bank Muamalat Malaysia Berhad 
  and Bank Islam Malaysia Berhad. A self-administered questionnaire which was 
  already developed and tested previously by various scholars have been adapted 
  for the present study. The questionnaire was distributed through convenience 
  sampling to 550 students of different faculties and universities in Malaysia. 
  A total of 451 usable responses were finally selected for the data analysis 
  purpose. First, the descriptive analysis was undertaken in order to observe 
  the data for various trends. After descriptive analysis, data was inferentially 
  analyzed by deploying Structural Equation Modelling (SEM). The main steps of 
  SEM followed in this particular research were; Confirmatory Factor Analysis 
  (CFA) and full fledge structural equation modelling which led to hypothesis 
  testing using AMOS computer software. The results indicate that perceived usefulness, 
  perceived enjoyment and quality of internet connection are the main antecedents 
  of the use of online banking by students. Moreover, the information on online 
  banking significantly affects perceived ease of use and perceived enjoyment. 
  Furthermore, quality of internet connection statistically significantly impact 
  perceived enjoyment and security and privacy. Descriptive statistics indicates 
  71.8% males and 28.2% females, 46.3% have their accounts in Bank Muamalat Malaysia 
  Berhad and 34.6% in Bank Islam Malaysia Berhad. A total of 90.7% students were 
  in between 15-35 years of their age. Most of them (64.5%) were the master’s 
  students of different fields with majority of them (35.9%) pursuing their MBA. 
  The use of convenience sampling in this study weakens research objectivity and 
  the relatively small size of the sample somewhat limits generalizations. The 
  use of complex modelling techniques, namely; structural equation modelling is 
  a novel attempt in validating the extended TAM. Further, this study also extends 
  the understanding of the technology acceptance model from students’ behaviour 
  perspective. Perhaps, the model validated in the present research can be adopted 
  by future researchers for further investigation, especially in other countries 
  and industries.
ER  -