Abstract:

The introduction of ICT has changed the way the financial services industry conducts business.  The evolution of electronic banking started from the use of automatic teller machines (ATM) to telephone banking, direct bill payment, electronic fund transfer and the revolutionary online banking.  Although e-banking was introduced a few years back and with the sound IT infrastructure, technology and international links, the acceptance of e-banking in conducting banking transactions by the customers are still not very encouraging and is in a slow rate of adoption. Hence, a research of factors that influence the adoption of e-banking will surely make a contribution to the understanding of the e-banking status in the country.  This study intends to identify the factors that influence the adoption of e-banking in Malaysia. Findings found that Malaysians would adopt e-banking provided that it is easier to use and the banking service providers guarantee the safety of transactions. Discussions and implications are further discussed to provide insights to Malaysian government and people.