An evaluation of e-banking and m-banking adoption factors and preference in Malaysia: a case study

This study aims to investigate the factors influencing adoption of electronic banking (e banking) and mobile banking (m-banking) and to identify customer preferences in choosing either e-banking or m-banking when conducting transactions. The findings from 184 customers indicate that perceived usefulness, perceived ease of use, convenience, computer efficacy, device features and security influence the adoption of e-banking. Similar findings are obtained for m-banking adoption, except for mobile phone efficacy and device features. The majority of respondents prefer e-banking to m-banking. The results provide banks with prioritisation of determinants for developing appropriate strategies to encourage the adoption of e-banking and m-banking.