A Preliminary Study on Students' Perception of SMS Banking: A Case at The Labuan International Campus-University Malaysia Sabah

Mobile phones are crucial for those who are busy with daily routine activities, especially those who are employed as well as students. The objective of this study is to identify the key points which are relevant to the students perceptions of SMS banking by the use of a survey conducted during July C September 2005. This research used university students as the sample, namely from Labuan International Campus-Universiti Malaysia Sabah. In this paper, a total of 317 students were approached which was considered as a preliminary way to observe their perceptions of SMS banking. Through various SPSS analyses, we discovered that 38 percent of male respondents and 61 percent of the female respondents know what SMS is. Surprisingly, only female respondents used SMS banking with 0.95 percent, which is consistent with the study by Laforet and Li (2005) and Howcroft, Hamilton and Hewer (2002). Findings also discovered that all of the socio-demographic elements have their own level of significance. In general, it can be concluded that students perceptions were not homogeneous and an education level was insufficient to explain the SMS banking usage among the respondents.