Lee, Jeng Yang and Liew, Min Sun and Tan, Vivian Yun Xin and Wong, Yan Min (2025) Shaping user confidence towards online banking security and safety features in Malaysia. Final Year Project, UTAR.
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Abstract
The rapid growth of online banking in Malaysia has transformed the way consumers access financial services, offering greater convenience and efficiency. However, concerns about security and confidence remain key barriers to wider adoption. This research aims to investigate the factors influence user confidence towards online banking security and safety features including system reliability, user knowledge, perceived data protection and technology infrastructure in Malaysia. The study utilises Protection Motivation Theory (PMT) to explain how user knowledge and technology infrastructure affects user confidence in online banking. Besides, Technology Acceptance Model (TAM) is used in this study to explain how user confidence is impacted by system reliability and perceived data protection. The data collection method used in this research is primary data using questionnaire and received a total of 384 responses. IBM Statistical Package for the Social Sciences tool (SPSS) was used to analyse and interpret the relevant data. The data was analysed by using descriptive analysis, reliability test, multicollinearity test, Pearson correlation, normality test and Multiple Linear Regression. The results show that system reliability and perceived data protection are significantly impact with the user confidence. The study provides valuable insight for banking industry and policymakers. This study also provides recommendations for future researchers to perform more precise and accurate studies regarding this area, therefore addressing the limitations of our work. Keywords: Online Banking; User Confidence; System Reliability; User Knowledge; Perceived Data Protection; Technology Infrastructure Subject Area: HG501 - 3550 Banking
| Item Type: | Final Year Project / Dissertation / Thesis (Final Year Project) |
|---|---|
| Subjects: | H Social Sciences > HB Economic Theory H Social Sciences > HG Finance |
| Divisions: | Teh Hong Piow Faculty of Business and Finance > Bachelor of Business Administration (Honours) Banking & Finance |
| Depositing User: | ML Main Library |
| Date Deposited: | 30 Dec 2025 19:56 |
| Last Modified: | 30 Dec 2025 19:56 |
| URI: | http://eprints.utar.edu.my/id/eprint/7043 |
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