Factors Affecting Malaysian Behavioral Intention to Use Mobile Banking With Mediating Effects of Attitude

The purpose of this study is to examine the factors that influence Malaysian to adopt mobile banking as the tool for their banking purpose where attitude as a mediator. From the literature, five determinant factors are identifies. Each variable is measured using 7-point Likert-scale or interval scale. Using primary data collection method, questionnaires were distributed to target respondents of lecturer, administrative staff, postgraduate students and undergraduate students of Universiti Utara Malaysia, Wawasan Open University and AIMST University located in North Malaysia. This study is based on The technology acceptance model (TAM, 1993) specifies the causal relationships between system design features, perceived usefulness, perceived ease of use, attitude toward using, and actual usage behaviour. The data were analyzed using structural equation modeling (SEM) using AMOS version 21. The findings of this study revealed that perceived usefulness, perceived benefit and perceived credibility were the factors affecting users having intention to adopt mobile banking. Meanwhile, the perceived ease of use and perceived financial cost were found to be insignificant in this study. Furthermore, this study also manage to present five mediating effects: (1) attitude towards using mobile banking mediates relationship between perceived usefulness and behavioral intention to use mobile banking; (2) attitude towards using mobile banking mediates relationship between perceived ease of use and behavioral intention to use mobile banking; (3) attitude towards using mobile banking mediates relationship between perceived benefit and behavioral intention to use mobile banking; (4) attitude towards using mobile banking mediates relationship between perceived credibility and behavioral intention to use mobile banking; (5) attitude towards using mobile banking mediates relationship between perceived financial cost and behavioral intention to use mobile banking. The findings are discussed in the perspective of bank customers.