The Usage of Internet Banking Service Among Higher Learning Students in Malaysia

Today, the advancement of internet has provided an opportunity for banking institution in introducing new financial innovations. One of the emerging financial innovations introduced by banking institution is online banking. This study adopts a technology acceptance model (TAM) to investigate factors that determine an individual’s intention to use online banking by bank customers among higher learning students in Malaysia. The additional of TAM includes usefulness, ease of use, credibility, self-efficacy, compatibility and intention to use. By using simple random sampling, one hundred and seventy college students from university campuses in Tuanku Syed Sirajuddin Polytechnic will took part in the survey. Data was collected via questionnaires; the constructs Perceived usefulness and computer self-efficacy with three items were adapted from Wang et al. (2003). Perceived ease of use with four items was adapted from Nysveen et al. (2005). Perceived credibility with two items were adapted from Pikkarainen et al. (2004). Behavioral intention with two items was adapted from Venkatesh (2000). The data were analyzed using Structural equation modeling (SEM) using AMOS 18. Understanding what influences users to accept internet banking can be beneficial to banks, system developers and marketing practitioners in developing and marketing internet banking services that will be acceptable by the target market. The research finding shows that there is significant relationship between self efficiency towards intention to use of internet banking.