Adoption of Retail Internet Banking: A Study of Demographic Factors
This study focuses on the adoption of retail internet banking among consumers in the Klang Valley, Malaysia and the impact of demographics factors on such adoption behavior. This study adopts a quantitative approach using surveys conducted at banks. The results indicate that while the hypotheses per...
| Main Authors: | , , , |
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| Format: | Article |
| Language: | English |
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Journal of Internet Banking and Commerce
2013
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| Online Access: | http://ir.unimas.my/id/eprint/8625/ http://ir.unimas.my/id/eprint/8625/1/Adoption%20of%20Retail%20Internet%20Banking%20A%20Study%20of%20Demographic%20Factors%20%28abstract%29.pdf |
| _version_ | 1848836406064971776 |
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| author | Jayaraman, Munusamy Ernest Cyril, de Run Shankar, Chelliah Sanmugam, Annamalah |
| author_facet | Jayaraman, Munusamy Ernest Cyril, de Run Shankar, Chelliah Sanmugam, Annamalah |
| author_sort | Jayaraman, Munusamy |
| building | UNIMAS Institutional Repository |
| collection | Online Access |
| description | This study focuses on the adoption of retail internet banking among consumers in the Klang Valley, Malaysia and the impact of demographics factors on such adoption behavior. This study adopts a quantitative approach using surveys conducted at banks. The results indicate that while the hypotheses pertaining to gender, race, income, educational level and occupation were not supported but age is supported. Therefore, the current research indicates that the age of retail banking consumers affects the adoption of internet banking among Malaysian consumers. The result also suggests that consumers in the age group below 25 years old are the major contributor to the differences. Based on these findings, we conclude that younger consumers are more likely to adopt internet banking. Therefore, the result suggests implications for retail bankers in Malaysia to adopt appropriate strategies to encourage retail internet banking for other age categories of consumers in Klang Valley. By doing so, it enables the banks in Malaysia to save costs of maintaining physical distribution systems through providing bigger scale of Internet retail banking services. |
| first_indexed | 2025-11-15T06:23:15Z |
| format | Article |
| id | unimas-8625 |
| institution | Universiti Malaysia Sarawak |
| institution_category | Local University |
| language | English |
| last_indexed | 2025-11-15T06:23:15Z |
| publishDate | 2013 |
| publisher | Journal of Internet Banking and Commerce |
| recordtype | eprints |
| repository_type | Digital Repository |
| spelling | unimas-86252015-08-19T07:13:44Z http://ir.unimas.my/id/eprint/8625/ Adoption of Retail Internet Banking: A Study of Demographic Factors Jayaraman, Munusamy Ernest Cyril, de Run Shankar, Chelliah Sanmugam, Annamalah HF Commerce This study focuses on the adoption of retail internet banking among consumers in the Klang Valley, Malaysia and the impact of demographics factors on such adoption behavior. This study adopts a quantitative approach using surveys conducted at banks. The results indicate that while the hypotheses pertaining to gender, race, income, educational level and occupation were not supported but age is supported. Therefore, the current research indicates that the age of retail banking consumers affects the adoption of internet banking among Malaysian consumers. The result also suggests that consumers in the age group below 25 years old are the major contributor to the differences. Based on these findings, we conclude that younger consumers are more likely to adopt internet banking. Therefore, the result suggests implications for retail bankers in Malaysia to adopt appropriate strategies to encourage retail internet banking for other age categories of consumers in Klang Valley. By doing so, it enables the banks in Malaysia to save costs of maintaining physical distribution systems through providing bigger scale of Internet retail banking services. Journal of Internet Banking and Commerce 2013 Article NonPeerReviewed text en http://ir.unimas.my/id/eprint/8625/1/Adoption%20of%20Retail%20Internet%20Banking%20A%20Study%20of%20Demographic%20Factors%20%28abstract%29.pdf Jayaraman, Munusamy and Ernest Cyril, de Run and Shankar, Chelliah and Sanmugam, Annamalah (2013) Adoption of Retail Internet Banking: A Study of Demographic Factors. Journal of Internet Banking and Commerce, 17 (3). ISSN 1204-5357 http://www.researchgate.net/publication/256051102_Adoption_of_Retail_Internet_Banking_A_Study_of_Demographic_Factors |
| spellingShingle | HF Commerce Jayaraman, Munusamy Ernest Cyril, de Run Shankar, Chelliah Sanmugam, Annamalah Adoption of Retail Internet Banking: A Study of Demographic Factors |
| title | Adoption of Retail Internet Banking: A Study of Demographic Factors |
| title_full | Adoption of Retail Internet Banking: A Study of Demographic Factors |
| title_fullStr | Adoption of Retail Internet Banking: A Study of Demographic Factors |
| title_full_unstemmed | Adoption of Retail Internet Banking: A Study of Demographic Factors |
| title_short | Adoption of Retail Internet Banking: A Study of Demographic Factors |
| title_sort | adoption of retail internet banking: a study of demographic factors |
| topic | HF Commerce |
| url | http://ir.unimas.my/id/eprint/8625/ http://ir.unimas.my/id/eprint/8625/ http://ir.unimas.my/id/eprint/8625/1/Adoption%20of%20Retail%20Internet%20Banking%20A%20Study%20of%20Demographic%20Factors%20%28abstract%29.pdf |