Modelling Digital Banking Adoption Using the Technology Acceptance Model

Naseem Aliza, Noor Fareen Abdul Rahim () and T. Ramayah
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Naseem Aliza: Universiti Sains Malaysia, Graduate Business School
Noor Fareen Abdul Rahim: Universiti Sains Malaysia, Graduate Business School
T. Ramayah: Universiti Sains Malaysia, School of Management

A chapter in Proceedings of the 12th International Conference on Business, Accounting, Finance and Economics (BAFE 2024), 2025, pp 62-82 from Springer

Abstract: Abstract The rise of digital banking in Malaysia has revolutionized how consumers engage with financial services. Driven by technological advancements, mobile banking’s ease of use and accessibility have played a key role in this transformation. This research aims to explore the factors that drive consumers’ intentions to adopt digital banking services in Malaysia, emphasizing the mediating influence of perceived value within the context of the Technology Acceptance Model (TAM). Data were gathered from 237 respondents through a snowball sampling method. and the analysis was conducted using Partial Least Squares Structural Equation Modelling (PLS-SEM). The findings indicate that perceived usefulness and perceived ease of use both have a positive and significant influence on individuals’ intentions to adopt digital banking. Furthermore, perceived value serves as a mediator in the relationship between these factors and consumers’ adoption intentions. This study offers valuable insights for Malaysian banks and policymakers, suggesting that creating secure, straightforward, and user-friendly platforms can effectively encourage the adoption of digital banking services.

Keywords: Digital banks; TAM; Perceived value (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:spr:advbcp:978-94-6463-666-6_4

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DOI: 10.2991/978-94-6463-666-6_4

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