The Perceived Attitude of Bank Customers towards the Intention to Use Digital Banking in Malaysia

Abstract

Digital banking is a new concept that entails a complete digital shift. Malaysia's sizable banked population is hastening the digitalisation of banking services. Malaysia is about to embrace digital banking. While digital technology has advanced, it still simplifies banking. However, some users are aware of it but are unwilling to use it. Thus, increasing digital adoption in Malaysia is required to ensure the success of digital banking. Despite the trend toward digital banking, these numbers remain low. Thus, this study aims to assess the impact of perceived usefulness, ease of use, trust, and peer influence on attitude, as well as the impact of attitude on intention to use a digital bank. The Technology Acceptance Model (TAM) was used in this study to investigate the effect of perceived usefulness, ease of use, trust, and peer influence on the intention to use digital banking. The research framework for this study included perceived usefulness, ease of use, trust, peer influence attitude, and intention. Perceived usefulness, ease of use, trust, and peer influence are all independent variables. Attitude is a moderator, and intention is a dependent variable. This study is quantitative and will rely on primary data. All measurement items were evaluated using Likert scales ranging from strongly disagree to agree strongly. This study also employed non-probability purposive sampling. The data for this study will be cleaned and screened using SPSS 18. The data were analysed using partial least squares structural equation modelling, and SmartPLS 3 was used to analyse reliability, validity, and hypothesis testing data. Keywords: Digital Banking, Digital, Digital Adoption