An insight into the attributes influencing the acceptance of internet banking: the consumers' perspective

Six factors with 42 elements were identified to examine the influences of demographic variables and attitudes towards the acceptance of internet banking in Malaysia using a Likert scale questionnaire. Results revealed that all elements for each factor are significant, except for design factors; whilst convenience and securities were the most important attributes influencing the inclination to accept internet banking services. It was found that demographics as well as occupation background have a high correlation to the tendency to accept internet banking. Conversely, gender, race and marital status appeared to have insignificant influence. Some recommendations on ways to address the impediments were suggested.