Page 15 – 31 | Aliza Kasim, Syahidah Ali, Rosli Mahathir

The mobile banking in Malaysia is still in its infancy stage and the reason to explain the acceptance, as well as understand the intentions of using mobile banking services remains unclear. The motivation of this study is to decide the elements that influence the behavioural intention to use mobile banking from consumer point of view. The existing research is designed to fit in the facilitating condition with the Technology Acceptance Model (TAM) to present a more comprehensive model of mobile banking acceptance in Malaysia. As such, the collected data are tested with a sample of 359 respondents and analysed quantitatively. The data based on Structural Equation Modelling (SEM) statistical analysis technique was analysed by Partial Least Squares (PLS) method. The results of this study provide support for the research model. Besides, this study also examines the relationship between model variables. The research model presented in this paper is unique because it combines the TAM variables with facilitating conditions of Malaysia. Overall, the result signifies that the model supports a good understanding of the factors that influence the intention to use mobile banking. As expected, the main belief provides more decomposition of the specific factors that influence behaviour. Finally, there are presentation of limitations of the research and recommendations for future research.

Keywords: Mobile Banking, Facilitating Conditions, Behavioural Intention, Technology Acceptance Model

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