Malaysian Consumer Behaviour towards Internet Banking: An Application of Technology Acceptance Model

Technology Acceptance Model (TAM) explains customer behaviour towards using internet banking for fastest services. On the other hand, slow adoption of the internet banking depriving customer to this new technology. This research is based on the quantitative approach with 375 questionnaires collected from the faculty and students of the University Technology Malaysia. This study examined the Technology acceptance model comprises of individual perceived usefulness (PU), Perceived ease of use (PEU) and the perceived credibility (PC) on behavioural intention to use internet banking. The outcome shows all the variables have positive effects on the use of internet banking in daily life. This has highlighted the importance of TAM Model in understanding how Internet banking helps the banks in reducing time and resources to consumers.