An Exploratory Study Into the Adoption of Internet Banking in a Developing Country: Malaysia

In this study, we extend the decomposed theory of planned behavior (DTPB) by incorporating trust and examining its impact on an individual's intention to adopt Internet banking. A majority of the technology adoption research has been completed in developed countries such as the U.S. Overall, the results indicate that the proposed model provides a good understanding of factors that influence the intention to use Internet banking. From a theoretical perspective, the findings help further our understanding of the constructs that impact technology adoption in an under researched area: developing countries. It also confirms the multidimensionality of trust and its role in the adoption of Internet banking. From a practical perspective, the findings can help banks who wish to offer Internet banking services make informed decisions about what actions they can take to increase their chances of success.