Adoption of internet banking among the community in Kelantan

Internet banking is becoming a new focuses as the number of internet users is increasing globally and its benefits. This study aimed to investigate the factors and determinants of internet adoption among the community in Kelantan. Five factors that proposed to influence the adoption from Unified Theory of Acceptance and Use of Technology (UTAUT)were included in this study. A total of 200 respondents were collected using convenience sampling. Results of this study showed that performance expectancy (r=0.417, p < 0.01), effort expectancy (r=0.62, p < 0.01), social influence (r=0.344, p < 0.01), facilitating condition ( r=0.655, p < 0.01) were positively correlated with behavioral intention among respondents. Analysis of multiple linear regressions was used to determine the predictors of internet banking adoption in Kelantan. The results showed that performance expectancy, effort expectancy, social influence, facilitating condition and trust explained 55.8% variance of behavioral attention among the respondents (F=25.98, p < 0.01). Facilitating condition was found to be the strongest predictor in regression model. Knowing the determinants on internet banking adoption could help banking company to improve their service to attract more users especially in Kelantan.