An Exploratory Study of Factors Affecting the Internet Banking Adoption: A Qualitative Study among Postgraduate Students

Nabil Hussein Al-Fahim
Nabil Hussein Al-Fahim * §
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§ International Islamic University Malaysia International Islamic University Malaysia

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An Exploratory Study of Factors Affecting the Internet Banking Adoption: A Qualitative Study among Postgraduate Students

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Abstract

This paper aims to explore and understand the factors that affect the internet banking adoption among postgraduate’ students in International Islamic University Malaysia (IIUM).Approach-Semistructured interviews with eight informants; four adopters and four non-adopters on postgraduate’ students were conducted to explore this issue. The results revealed that adopters and non-adopters realized that internet banking (IB) has several benefits and conveniences. However, non adopters were concerned about some factors like trust, ease of use, awareness and security. The results also showed that adopters had positive influence on use of online banking and they did not have problems with these factors because they had sufficient knowledge and experience in using online banking. This study has several limitations such as the sample used for the study was from a specific group of respondents in Malaysia (postgraduate’ students at IIUM). The second limitation was that informants were postgraduate ‘students who had limitation on banking transactions. The findings are important to enable bank executives to have a better understanding of clients’ perception to adopt internet banking. This will help banks’ managers and owners formulate strategies that could significantly affect IBA among their customers.

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Funding

No external funding was declared for this work.

Conflict of Interest

The authors declare no conflict of interest.

Ethical Approval

No ethics committee approval was required for this article type.

Data Availability

Not applicable for this article.

How to Cite This Article

Nabil Al-Fahim. 2013. "An Exploratory Study of Factors Affecting the Internet Banking Adoption: A Qualitative Study among Postgraduate Students". Global Journal of Management and Business Research, Global Journal of Management and Business Research - C: Finance GJMBR-C Volume 13 (GJMBR Volume 13 Issue C8).

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Journal Specifications

Crossref Journal DOI 10.17406/GJMBR

Print ISSN 0975-5853

e-ISSN 2249-4588

Keywords
(IBA) internet banking serviceadopters and non-adoptersexploreIIUMpostgraduate’s students
Classification
GJMBR-C Classification JEL Code: E50
  • Submission ReceivedDecember 15, 2012
  • Peer Review Double Blind
    Handling Editor
  • Accepted January 2, 2013
  • Published January 15, 2013
Version of record

v1.2

Issue date
August 30, 2013

Language
English
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An Exploratory Study of Factors Affecting the Internet Banking Adoption: A Qualitative Study among Postgraduate Students

Nabil Al-Fahim
Nabil Al-Fahim International Islamic University Malaysia
  • Submission ReceivedDecember 15, 2012
  • Peer Review Double Blind
    Handling Editor
  • Accepted January 2, 2013
  • Published January 15, 2013