Abstract

The main purpose of this research is to investigate the factors that influence adopters to take up the Internet
banking services in Malaysia. The sampling units in this survey are the adopters of Internet banking who were
using it for at least six months. A total of 116 useable questionnaires was coded and analyzed by using SPSS
software. Statistical methods like descriptive analysis, factor analysis and regression analysis were used in this
research. The regression results showed that Complexity, Security and Ccustomer Experience were the
influencing factors of Internet banking services. However, Individual Characteristics was found to be partially
influencing the adopters in their decision to adopt the Internet banking facilities.

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