This article examines the factors that determine the internet banking adoption amongst International Islamic University Malaysia (IIUM) and its causal effects using a theoretical model based on the Technology Acceptance Model (TAM). The research model consists of four exogenous latent constructs, namely, awareness, perceived usefulness, trust and perceived risk and endogenous latent construct n...

Today’s world is one with increasing online access to services. One part of this which is growing rapidly is Internet Banking. This is very convenient and the ready access to the Internet in all first world countries , coupled with the cost Savings from closing bank branches , is driving the operation and adoption of these services. Internet banking allows customers to conduct financial transac...

This paper brings out the design patterns according to the various services involved in internet banking. The Pattern oriented Software Architecture uses the pattern which eliminates the difficulty of reusability in a particular context. The patterns are to be designed using BPM (Business Process Model) for effective cross cutting on process level. For implementing the above said BPM, the Inter...

The objective of this study was to develop a research model that examines direct effects of customer satisfaction and switching costs on customer retention as well as the moderating effect of switching costs on the relationship between customer satisfaction and customer retention on basic and advanced retail Internet banking users in Hong Kong. An online questionnaire was employed as the means ...

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 s...

In this paper, we developed a theoretical model that posits factors influencing Internet banking use and validated it with a sample of more than 300 respondents using Partial Least Squares (PLS). The results indicated that three factors, openness to experience from the Five-Factor Model, perceived usefulness, and green concern from peer pressure, were positively associated with Internet banking...

This paper studies the diffusion and impact of a cost-saving technological innovation — Internet banking. Our theory characterizes the process through which the innovation is adopted sequentially by large and small banks, and how the adoption affects bank size distribution. Applying the theory to an empirical study of Internet banking diffusion among banks across 50 U.S. states, we examine the ...

The major banks in India are increasingly providing services through electronic channels such as ATMs, internet banking, tele banking and mobile banking. The paper is an attempt to examine the various usage patterns by customers of these technologyenabled services provided. A survey research is conducted among the customers of some of the leading banks in India who are residing in the selected ...

Information and communication are critical to developing customer relationships. Thus, new information and communication technologies (NICTs) became a key knowledge tool for the organisation within a relationship marketing strategy. Retail banking is a good example of a sector in which the virtualisation of relationships is increasing. However, there is no consensus as to whether banking relati...

Internet banking is booming in Jordan and it is time for banks and customers to reap the benefits from such technology. Bank customers’ propensity to use internet banking is dependent on their attitudes towards such technology. This work validates an Arabic technology acceptance instrument through a rigorous process so that banks can better understand the factors that affect the customer’s inte...