Demographic and Social Differences in the Acceptance of Internet Banking: An Empirical Study of Malaysia

Internet banking acceptance level is increasing due to the fact that it made transaction easy. It provides access to personal accounts and general information on bank products and services through computers or other technological devices. The aim of this study is to provide the empirical evidences of internet banking acceptance while analyzing differences in demographic and social differences. The data of 117 respondents were analyzed using SPSS. The study used TAM in order to investigate the user’s behaviors and attitude toward using a new information system. Findings suggested that perceived usefulness, perceived ease of use, and attitude of users may vary in using internet banking and age and education are the significant factors for acceptance.