A study on Malaysian’s intention to accept digital bank

Bong, Amy Yu Ling and Chua, Hwee Ling and Soh, Min Hang and Soh, Yen Sin (2023) A study on Malaysian’s intention to accept digital bank. Final Year Project, UTAR.

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Abstract

This research aims to examine Malaysian’s intention to accept digital bank. The research draws primarily from the Diffusion of Innovation Theory (DOI), encompassing factors such as complexity, compatibility, and relative advantage while trust gained from external sources. The research targets respondents from the Generation Z demographic in Malaysia, aged between 18 and 26. A total of 205 responses were collected and utilized for data analysis. The research methodology employed in this study involves the use of Partial Least Squares Structural Equation Modelling (PLS-SEM) with SmartPLS 4.0 software. The analysis encompasses various aspects, including outer loading, Cronbach's alpha, composite reliability, average variance extracted (AVE), discriminant validity, collinearity, path coefficient significance, predictive modeling, and effect size. The research findings indicate that compatibility, relative advantage, and trust significantly influence the intention of Malaysians to adopt digital banking. However, complexity is insignificantly impacting their intention to accept digital banking. This paper also includes a discussion of the relationships between variables and the implications of the research. Additionally, it addresses limitations and provides recommendations, offering a more comprehensive and detailed outlook for future research and use by digital bank license holders.

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