Attitude towards Using Mobile Banking in Malaysia: A Conceptual Framework

Despite various researches has been carried out on mobile banking adoption but only a small quantity of studies were conducted in Malaysia. As a result, literature on the key determinants of the intention to adopt mobile banking within Malaysia is insufficient. Therefore, there is a need to comprehend the factors influencing the intention to adopt mobile banking services in the Malaysian market. This research fills the gap by integrating Technology Acceptance Model (TAM) with perceived risk and perceived cost. The main objective of the study is to determine the factors that influences the intention to adopt mobile banking services. This conceptual study reviews the past literatures and proposes eight research hypotheses interlinking eight variables that are Usefulness, Easefulness, Relative advantage, Perceived risk, Attitude Towards Using, Perceived Cost, Age, Education and Intention to Adopt Mobile Banking. The paper concludes with a discussion of the future of mobile banking in Malaysia.