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An Instruments to Develop Cashless in Malaysia


  • Taasim, Shairil
  • Yusoff, Remali


This study aims to apply the technology assessment (TA) model to analyze ebanking perceptions in the context of Malaysia. It involves aspects of supply and demand to understand increasing cashless concept in the country. A sample of 470 respondents were randomly selected from high density state capitals and major cities, using the convenience sampling method. Respondents were requested to complete a questionnaire developed from the basic model by forming UTAUT constructs, including quality, skills, transaction costs, user satisfaction, role of service providers (banks), and the influence of environment. Based on the results obtained, the model suggests that transaction costs, as direct costs by service providers, have a significant impact on the overall assessment of the performance of retail e-banking. Data analysis was performed using structured equation modeling (SEM), with the use of AMOS V22 as a method of trajectory analysis.

Suggested Citation

  • Taasim, Shairil & Yusoff, Remali, 2017. "An Instruments to Develop Cashless in Malaysia," MPRA Paper 80735, University Library of Munich, Germany.
  • Handle: RePEc:pra:mprapa:80735

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    References listed on IDEAS

    1. Hernández-Murillo, Rubén & Llobet, Gerard & Fuentes, Roberto, 2010. "Strategic online banking adoption," Journal of Banking & Finance, Elsevier, vol. 34(7), pages 1650-1663, July.
    2. Courchane, Marsha & Nickerson, David & Sullivan, Richard, 2002. "Investment in internet banking as a real option: theory and tests," Journal of Multinational Financial Management, Elsevier, vol. 12(4-5), pages 347-363.
    3. Zinman, Jonathan, 2009. "Debit or credit?," Journal of Banking & Finance, Elsevier, vol. 33(2), pages 358-366, February.
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    More about this item


    Technology; SEM; Performance; e-banking.;

    JEL classification:

    • G0 - Financial Economics - - General
    • G00 - Financial Economics - - General - - - General
    • O1 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance

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