The Influencing Factors That Affect Online Banking Usage Among Students of University Malaysia Kelantan at Campus City

Abstract

The existence of online banking has given a new approach to banking firms to compete with other banking firms. However, the success of this new channel for the bank's products and services depends on the level of usage of its customers. This study aims to measure the level and identify the factors that influence the use of online banking usage among students of University Malaysia Kelantan (UMK) City Campus. In this study, technology adoption, service offered and customer privacy are used as independent variables related to the dependent variable, online banking usage. For the research design, the study utilized a quantitative method. The purpose of the quantitative method in this study because the data obtained from this technique is more appropriate for conducting hypothesis testing. The research used questionnaires as the method of data collection because it is a more effective and efficient approach to get information from the respondent. A set of questionnaires was distributed directly to 361 people of the target population through Google Forms. Data from the questionnaire was analyzed using SPSS. The results of the study are significant and support the hypothesis. In conclusion, this study can be a reference for anyone who can be referred for future studies.