Borneo online banking: evaluating customer perceptions and behavioural intention

Abstract

Purpose

Adopting the technology acceptance model, this research examines the factors that determine intention to use online banking in Malaysia Borneo. Perceived ease of use and perceived usefulness factors are considered to be fundamental in determining the acceptance and use of various information technologies. However, these beliefs may not fully clarify behavioural intention towards newly emerging technologies, such as online banking.

Design/methodology/approach

This study extends the model to include user computer experience and confidence.

Findings

The results indicate that perceived usefulness and perceived ease of use are strong determinants of behavioural intention to adopt online banking. There is also an indirect effect of computer self‐efficacy and prior general computing experience on behavioural intention through perceived usefulness and perceived ease of use.

Research limitations/implications

the relatively small size of the sample somewhat limits generalizations.

Practical implications

Useful to banks and financial institutions planning further online sevices for their customers.

Originality/value

Extends the understanding of the technology acceptance model.

Citation

Guriting, P. and Oly Ndubisi, N. (2006), "Borneo online banking: evaluating customer perceptions and behavioural intention", Management Research News, Vol. 29 No. 1/2, pp. 6-15. https://doi.org/10.1108/01409170610645402