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Modelling client usage of e-statements: an empirical study in Malaysia

Author

Listed:
  • Hussain Ali Bekhet
  • Basheer Abbas Mahmood Al-Alak

Abstract

The objective of the current study was to investigate the major e-statement quality dimensions affecting the usage of e-statements by account holders in Malaysia, and to see how this use influenced behaviour. The study used a survey questionnaire distributed to a convenient sample of 1,000 bank account holders in Malaysia. An e-statement usage model was proposed based on a literature review and testing of two hypotheses. A multiple regression model was used to analyse the survey data. Only six predictor domains out of 13 were found to affect usage of the e-statements. It was also revealed that usage had a direct positive impact on behaviour. It was implied that financial institutions offering e-statement services should formulate bank marketing strategies that take into consideration e-statement quality dimensions that are highly evaluated by clients and which clients perceive as having the strongest impact on their usage of this service.

Suggested Citation

  • Hussain Ali Bekhet & Basheer Abbas Mahmood Al-Alak, 2014. "Modelling client usage of e-statements: an empirical study in Malaysia," International Journal of Banking, Accounting and Finance, Inderscience Enterprises Ltd, vol. 5(3), pages 309-328.
  • Handle: RePEc:ids:injbaf:v:5:y:2014:i:3:p:309-328
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