Proceedings of the 12th International Conference on Business, Accounting, Finance and Economics (BAFE 2024)

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Modelling Digital Banking Adoption Using the Technology Acceptance Model

Authors
Naseem Aliza1, Noor Fareen Abdul Rahim1, *, T. Ramayah2
1Graduate Business School, Universiti Sains Malaysia, Penang, Malaysia
2School of Management, Universiti Sains Malaysia, Penang, Malaysia
*Corresponding author. Email: noorfareen@usm.my
Corresponding Author
Noor Fareen Abdul Rahim
Available Online 17 March 2025.
DOI
10.2991/978-94-6463-666-6_4How to use a DOI?
Keywords
Digital banks; TAM; Perceived value
Abstract

The rise of digital banking in Malaysia has revolutionized how consumers engage with financial services. Driven by technological advancements, mobile banking’s ease of use and accessibility have played a key role in this transformation. This research aims to explore the factors that drive consumers’ intentions to adopt digital banking services in Malaysia, emphasizing the mediating influence of perceived value within the context of the Technology Acceptance Model (TAM). Data were gathered from 237 respondents through a snowball sampling method. and the analysis was conducted using Partial Least Squares Structural Equation Modelling (PLS-SEM). The findings indicate that perceived usefulness and perceived ease of use both have a positive and significant influence on individuals’ intentions to adopt digital banking. Furthermore, perceived value serves as a mediator in the relationship between these factors and consumers’ adoption intentions. This study offers valuable insights for Malaysian banks and policymakers, suggesting that creating secure, straightforward, and user-friendly platforms can effectively encourage the adoption of digital banking services.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 12th International Conference on Business, Accounting, Finance and Economics (BAFE 2024)
Series
Advances in Economics, Business and Management Research
Publication Date
17 March 2025
ISBN
978-94-6463-666-6
ISSN
2352-5428
DOI
10.2991/978-94-6463-666-6_4How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Naseem Aliza
AU  - Noor Fareen Abdul Rahim
AU  - T. Ramayah
PY  - 2025
DA  - 2025/03/17
TI  - Modelling Digital Banking Adoption Using the Technology Acceptance Model
BT  - Proceedings of the 12th International Conference on Business, Accounting, Finance and Economics (BAFE 2024)
PB  - Atlantis Press
SP  - 62
EP  - 82
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-666-6_4
DO  - 10.2991/978-94-6463-666-6_4
ID  - Aliza2025
ER  -