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Consumer attitudes, system's characteristics and internet banking adoption in Malaysia

机译：马来西亚的消费者态度，系统特征和网上银行的采用

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摘要

Purpose - This paper examines the determinant structure of customers' attitude system's characteristics on adoption of internet banking (IB) by Malaysian bank customers. Design/methodology/approach - The research framework links attitudinal constructs such as importance of IB to customers' banking needs, compatibility, complexity, trialability, and risk to internet banking adoption. Moreover, the impact of IB site design characteristics on adoption was also verified. An online questionnaire was used in this research and respondents were approached through extensive personalized email invitations as well as postings to the newsgroups. Findings - The results of the study reveal that the attitudinal factors play a significant role in internet banking adoption. Moreover, utilitarian orientation of the website rather than hedonic orientation has significant influence on adoption. Details of the results, implications of the findings, and conclusions are presented. Research limitations/implications - The reliability and validit of the research is supported and a number of unfounding variables-level of education, exposure to IT and usage frequency-are highlighted. Practical implications - Informative when planning any new internet service for financial customers. Originality/value - Draws together the key requirements for extending the use of internet banking in Malaysia.
机译：目的-本文研究了马来西亚银行客户采用互联网银行（IB）时客户态度系统特征的决定性结构。设计/方法/方法-研究框架将诸如IB对客户银行需求的重要性，兼容性，复杂性，可试用性以及采用互联网银行的风险之类的态度构造联系起来。此外，还验证了IB网站设计特征对采用的影响。在这项研究中使用了在线问卷，通过广泛的个性化电子邮件邀请以及向新闻组的发帖与受访者进行了联系。调查结果-研究结果表明，态度因素在采用网上银行方面起着重要作用。而且，网站的功利取向而不是享乐主义取向对采用具有重大影响。介绍了结果的详细信息，发现的含义和结论。研究的局限性/含义-支持研究的可靠性和有效性，并且突出显示了一些毫无根据的变量，包括教育程度，IT暴露程度和使用频率。实际意义-为金融客户计划任何新的互联网服务时提供信息。原创性/价值-汇总了扩展马来西亚网上银行使用的关键要求。

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