The factor affecting internet banking usage among SAB final year students in semester 7 at UMK City Campus, Pengkalan Chepa

Internet banking is a service provided by banks that allows customers to access and transact on a specified account via a computer and a website. This includes transactions made via the mobile banking service as well as the smartphone app. This study focuses on factors that can affect the Internet banking usage of SAB final year students in Semester 7 at the UMK City Campus, Pengkalan Chepa. There are four factors: trust, service quality, reputation, and security. This study was conducted utilising quantitative approaches and convenience sampling to verify that the data was analysed using a reliable SPSS version 26 software package. The information was obtained from a Google Form and distributed via email contact. In this study, the researchers applied the Theory of Planned Behavior (TPB), which has a variety of key characteristics that make it beneficial for explaining and predicting student intentions to utilise internet banking. The data collected from SAB final year students in semester 7 is from 135 respondents. The result is all variable have a significant relationship and the highest value by service quality which is r= 0. 604.With contribution in providing improvement quality in the internet banking sector, organisations that are in the industry can examine every factor that will influence individuals to feel safe using internet banking and ensure that the internet banking industry is more familiar among students.