Factors affecting students' intention to use online banking at University Malaysia Kelantan

The purpose of this study is to examine the factors affecting students' intention to use online banking at University Malaysia Kelantan. One of the most recent trends in banking is the ability to transfer money or buy anything from home with just one click. Online banking has the potential to develop into a new means for financial transactions or sales of goods and services between customer to customer or customer to third party. The data collection methods are questionnaires. The respondents are 370 active students from University Malaysia Kelantan (UMK). The research findings show that intention of using online banking among UMK students is influenced by perceived ease of use, perceived usefulness, perceived security, and trust. These factors have a positive effect on the intention of using online banking. The results of this study indicate that the greater the perceived ease of use, perceived usefulness, perceived security, and trust; the greater online banking usage among UMK students. The factors that affect student’s intention to use online banking is vital for strategic planning for bankers. Future research may take into account the contextual variations in online banking or other relevant variables in this field for complete results.