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Determining Factors of Behavioral Intention to Adopt Digital Banking: A Pilot Study on Youngsters in Malaysia

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Listed:
  • Siti Norbaya Mohd Rashid
  • Shereen Noranee
  • Azlin Zanariah Bahtar
  • Mohd Faizal Kamarudin

Abstract

Some consumers continue to prefer traditional banks due to confusion or a lack of understanding about digital banking. Conventional methods of consumer profiling, which rely on past behavior and existing assets, are unlikely to drive the future success of digital banking. To achieve effective digital transformation, it is crucial to understand the behavior, preferences, and decision-making patterns of today’s digital consumers. This study explores the influence of performance expectancy, effort expectancy, social influence, and facilitating conditions on young people's intention to use digital banking, using the Unified Theory of Acceptance and Use of Technology (UTAUT) as a framework. Data were collected from 55 respondents through non-probability sampling and analyzed using reliability and regression analysis. The findings revealed a significant positive relationship between behavioral intention and both performance expectancy and facilitating conditions. These insights can help digital banking providers develop better strategies to encourage wider adoption of their services.

Suggested Citation

  • Siti Norbaya Mohd Rashid & Shereen Noranee & Azlin Zanariah Bahtar & Mohd Faizal Kamarudin, 2025. "Determining Factors of Behavioral Intention to Adopt Digital Banking: A Pilot Study on Youngsters in Malaysia," Information Management and Business Review, AMH International, vol. 17(3), pages 55-62.
    • Handle: RePEc:rnd:arimbr:v:17:y:2025:i:3:p:55-62
    DOI: 10.22610/imbr.v17i3(I).4695
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    References listed on IDEAS

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    1. Tiong Wen Ni, 2020. "Factors Influencing Behavioural Intention towards Adoption of Digital Banking Services in Malaysia," International Journal of Asian Social Science, Asian Economic and Social Society, vol. 10(8), pages 450-457.
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    5. Siti Norbaya Mohd Rashid & Shereen Noranee & Azlin Zanariah Bahtar, 2023. "Digital Banking Adoption Intention Model in Malaysia: A Pilot Study," Information Management and Business Review, AMH International, vol. 15(3), pages 244-250.
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