User Acceptance of Internet Banking In Malaysia: Test of Three Competing Models

Banks decide to invest in Internet banking for many reasons; among these are: pressures to cut costs, increase information richness for customers, pressures to produce more without increasing costs, improve the quality of services in order to stay in business or to reach a wider audience. The number of banks adopting Internet banking is increasing over the world even in less developed countries, e.g. but not limited to, Hong Kong (Liao et al. 1999; Wan et al., 2005), Singapore (Tan and Teo 2000; Wang et al. (2003), Malaysia (Ramayah et al., 2006; Ramayah et al., 2008), Finland (Pikkarainen et al. 2004), USA (Lassar et al., (2005), Korea (Suh and Han 2002), Taiwan (Shih and Fang 2004; User Acceptance of Internet banking In Malaysia: test of three competing Models