The effect of security factors on the continuance of Internet banking usage among Malaysians

Normalini,M.K. 강원대학교 경영연구소 2015 Asia-Pacific Journal of Business Vol.6 No.1

The objective of the present study is to identify the security factors that influence customer trust towards intention to continue using Internet banking in Malaysia. The participants are individual Internet banking users in Peninsular Malaysia. Data was collected through self administered questionnaires distributed using the drop-off and pick-up (DOPU) technique to bank branch managers who then passed the questionnaires to their customers. A total of 413 respondents completed the questionnaires. The SPSS statistical analysis software package and Partial Least Squares statistical method were used for data analysis and hypothesis testing. The results show that authentication, confidentiality, data integrity and non-repudiation are significant factors that influence customer trust towards intention to continue using Internet banking. Trust plays a critical role in influencing the intention to continue using Internet banking in Malaysia while perceived privacy does not. An understanding of the factors identified in this study will enable Internet banking providers to effectively and efficiently enhance the security of services and thereby promote continued usage of Internet banking among customers. The findings of this study are thus expected to be of great use to Internet banking providers as improvements in Internet banking security will increase business in the long run.

Factors that Influence Mobile Application Usage among undergraduates in USM

Normalini, M.K 강원대학교 경영경제연구소 2017 Asia-Pacific Journal of Business Vol.8 No.1

This study was designed to examine the antecedents of mobile app usage among smart phone users. An extended TAM, which included the additional factors of perceived enjoyment, perceived informative usefulness and perceived social usefulness, was applied to predict people’s intention to use mobile apps. Overall, the hypothesized research model did a fairly good job explaining significant associations between the independent variables and the dependent variable. The findings had showed that perceived social usefulness, perceived enjoyment and attitude were significantly affect intention to use mobile apps. Meanwhile, perceived ease of use (PEOU) and perceived informative usefulness were not significantly effects attitude towards intention to use mobile apps. Therefore, mobile apps developers should develop mobile apps that are easier for the users to seek information. For the information available should be more precise and bringing more benefits to the users.

Research on the Usage and Satisfaction of Smart Community Initiatives in Malaysia

Normalini Md Kassim,Nor Hazlina Hashim,Jasmine Ai Leen Yeap,Saravanan Nathan,T. Ramayah 강원대학교 경영경제연구소 2018 Asia-Pacific Journal of Business Vol.9 No.4

This study aims to explore and identify factors of respondent’s on the definition of ‘smartcommunity facilities’, their usage and satisfaction in Malaysia. Study carried out in four siteswhich were Kota Belud, Kemaman, Lundu and Putrajaya. Data was collected throughqualitative method where interviews was carried out with several smart community membersin answering factors that drives the usage/participation, satisfaction and continuance intentionfrom using the ‘smart community facilities’. Interpretation from the qualitative approachreveals that community thinks infrastructure, content and digital services will help to generateand build up ‘smart community’. This will give the benefit for the whole community as wellas improve individual efficiency, lifestyles and well-being. Findings demonstrated that theadvance of Internet will enhance people usage on being ‘smart’ and efficient and it should befurther improved with better infrastructures, systematic development with sophisticated digitaltechnology services, facilities and structured content, and also safety-security measures inplace.

The effect of security factors on the continuance of Internet banking usage among Malaysians

Normalini, M.K. KNU The Institute of Management Economy Research 2015 Asia-Pacific Journal of Business Vol.6 No.1

The objective of the present study is to identify the security factors that influence customer trust towards intention to continue using Internet banking in Malaysia. The participants are individual Internet banking users in Peninsular Malaysia. Data was collected through self-administered questionnaires distributed using the drop-off and pick-up (DOPU) technique to bank branch managers who then passed the questionnaires to their customers. A total of 413 respondents completed the questionnaires. The SPSS statistical analysis software package and Partial Least Squares statistical method were used for data analysis and hypothesis testing. The results show that authentication, confidentiality, data integrity and non-repudiation are significant factors that influence customer trust towards intention to continue using Internet banking. Trust plays a critical role in influencing the intention to continue using Internet banking in Malaysia while perceived privacy does not. An understanding of the factors identified in this study will enable Internet banking providers to effectively and efficiently enhance the security of services and thereby promote continued usage of Internet banking among customers. The findings of this study are thus expected to be of great use to Internet banking providers as improvements in Internet banking security will increase business in the long run.

Investigating the Impact of Security Factors In E-business and Internet Banking Usage Intention among Malaysians

M.K. Normalini,T. Ramayah,Muhammad Salman Shabbir 대한산업공학회 2019 Industrial Engineeering & Management Systems Vol.18 No.3

The purpose of the present study is to identify the security factors that influence customer intention to continue using Internet banking in Malaysia. Data was collected through self-administered questionnaires distributed using the drop-off and pick-up (DOPU) technique to private and public sector companies who then passed the questionnaires to their staffs. A total of 163 usable respondents completed the questionnaires. The SPSS statistical analysis software package and Structural Equation Modeling (AMOS) method were used for data analysis and hypothesis testing. The results show that perceived authentication, perceived confidentiality and perceived data integrity are significant factors that influence customer intention to continue using Internet banking. However, Perceived Non-Repudiation was not significant in influencing the intention to continue using Internet banking in Malaysia. An understanding of the factors identified in this study will enable Internet banking providers to effectively and efficiently enhance the security of services and thereby promote continued usage of Internet banking among customers. This is the study to examine possible security factors as multidimensional construct effects towards intention to continue using Internet banking using structural equation modelling AMOS.

Factors affecting adoption of Internet Banking: A case study from India

Pooja Malhotra,Normalini Md Kassim,T. Ramayah 강원대학교 경영연구소 2014 Asia-Pacific Journal of Business Vol.5 No.2

The objective of this research is to find out the factors affecting adoption of Internet banking in India. The data is based upon a survey of 150 bank customers using a convenience sampling technique with the aid of a structured self-administered questionnaire. The research model was analyzed using Partial Least Squares (PLS) analysis. The recommended procedures have been tested which is measurement model and structural model. Perceived Usefulness, Perceived Ease of Use, Perceived Risk, Image, Results Demonstrability, Perceived Behavioral Control and Subjective Norm were influence intention to use Internet banking. However, Perceived Ease of Use, Perceived Credibility and Computer Self Efficacy were not influence intention to use Internet banking. The findings of this study are expected to be of great use to the bank marketers. An understanding of the factors identified in this study allows bank managers to direct efforts and resources in the most effective and efficient way to increase bank business in the long run and encourage their bank customer’s to adopt Internet banking. Moreover, this paper contributes to the empirical literature of diffusion of financial innovations, particularly Internet banking in a developing country, such as India.

Factors affecting adoption of Internet Banking: A case study from India

Malhotra, Pooja,Kassim, Normalini Md,Ramayah, T. KNU The Institute of Management Economy Research 2014 Asia-Pacific Journal of Business Vol.5 No.2

The objective of this research is to find out the factors affecting adoption of Internet banking in India. The data is based upon a survey of 150 bank customers using a convenience sampling technique with the aid of a structured self-administered questionnaire. The research model was analyzed using Partial Least Squares (PLS) analysis. The recommended procedures have been tested which is measurement model and structural model. Perceived Usefulness, Perceived Ease of Use, Perceived Risk, Image, Results Demonstrability, Perceived Behavioral Control and Subjective Norm were influence intention to use Internet banking. However, Perceived Ease of Use, Perceived Credibility and Computer Self Efficacy were not influence intention to use Internet banking. The findings of this study are expected to be of great use to the bank marketers. An understanding of the factors identified in this study allows bank managers to direct efforts and resources in the most effective and efficient way to increase bank business in the long run and encourage their bank customer's to adopt Internet banking. Moreover, this paper contributes to the empirical literature of diffusion of financial innovations, particularly Internet banking in a developing country, such as India.

Halal Orientation Strategy(HOS) Reinforces to Positive Results on Quality, Time, Cost Control and Flexibility among Halal Food Manufacturers in Malaysia Context

Zunirah Md Talib,Normalini Md Kassim,Yuserrie Zainuddin 강원대학교 경영경제연구소 2018 Asia-Pacific Journal of Business Vol.9 No.2

The purpose of this paper was to explain on the conceptualisation of the Halal Orientation strategy (HOS) based on operation strategy perspective. The four variables constitute in HOS are staffing, materials, production process and storage together with transportation. By focusing on HOS, the manufacturers reinforce improvement in quality, cost control, time and flexibility of the production Halal food industry in Malaysia which is the performance objective of market competitiveness in Malaysia context. A self-administered questionnaire was designed and used to assess the significant of HOS that lead to improve quality, cost control, reduction in time and the flexibility among Halal food manufacturers in Malaysia. From a total of 443 Halal food manufacturers were involved in this study, only 137 respondents are usable for this research. The study showed significant results for the manufacturers to focus in Halal Orientation strategy (HOS) which have positive impacts on quality, cost control, time and flexibility. This research aimed to measure the HOS among food firms in Malaysia and to determine HOS in relation with the performance objective of operational outcomes.