Abstract

Internet banking is becoming a new focuses as the number of internet users is increasing globally and its benefits.
This study aimed to investigate the factors and determinants of internet banking adoption among Malaysian.
Four factors that proposed to influence the adoption from Unified theory of acceptance and use of technology
were included in this study. A total of 200 respondents were collected using convenience sampling. Results of
this study showed that performance expectancy (r = 0.51, p < 0.01), effort expectancy (r = 0.55, p < 0.01), social
influence (r = 0.64, p < 0.01), facilitating condition (r = 0.63, p < 0.01) and trust (r = 0.55, p < 0.01) were
positively correlated with behavioral intention among respondents. Analysis of multiple linear regressions was
used to determine the predictors of internet banking adoption among Malaysian. The results showed that
performance expectancy, effort expectancy, social influence, facilitating condition and trust explained 56.6%
variance of behavioral attention among the respondents (F = 50.54, p < 0.01). Knowing the determinants on
internet banking adoption could help banking company to improve their service to attract more users. Besides,
the use of internet banking could reduce the frequency to bank that indirectly reduce air pollution.

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