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All Journal Bulletin of Electrical Engineering and Informatics
Salfarina Abdullah
Universiti Putra Malaysia
Electrical & Electronics Engineering

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Assessing factors influencing internet banking adoption by using rasch model measurement Khairi Azhar Aziz; Marzanah A. Jabar; Salfarina Abdullah; Rozi Nor Haizan Nor
Bulletin of Electrical Engineering and Informatics Vol 11, No 4: August 2022
Publisher : Institute of Advanced Engineering and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11591/eei.v11i4.3761

Abstract

The purpose of this paper is to use the Rasch model software in analyzing the identified influencing factors of internet banking towards improving adoption usage and to find the validity and reliability of the instrument. An initial conceptual model was developed based on the previous of Literature Review. About 17 factors have been identified from the previous models and frameworks and they have been improved as influencing factors. Those factors are the website design (WD), the ease of use (EOU), the security, the quality system, the social influence, the trust, the electronic word of mouth (eWOM), the rewards, the perceived usefulness (PU), the perceived ease of use (PEOU), the intention to use (IU), the sustainability, the commitment, the user experience/generation, the knowledge, the profession, and the income. The questionnaire survey was successfully conducted with 51 respondents and pilot data verification of 30 respondents. The results showed that person reliability was 0.93 spread of person respondent was 54.06 and person separation was 3.66 However, item reliability result was 0.88, spread of item was 45.98 and item separation equal to 2.70 was fair. This paper was proven to be a significant contribution to the validity and reliability of using the Rasch model.
Challenges from the disastrous COVID-19 pandemic: exposure to opportunities for branchless banking in Malaysia Khairi Azhar Aziz; Marzanah A. Jabar; Salfarina Abdullah; Rozi Nor Haizan Nor
Bulletin of Electrical Engineering and Informatics Vol 11, No 4: August 2022
Publisher : Institute of Advanced Engineering and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11591/eei.v11i4.3865

Abstract

Branchless banking is a new digitalization of artificial intelligence (AI) for future banking services. The rapid digitalization and technological advancement of financial institutions (FI) have changed due to the COVID-19 pandemic. Such branchless banks are expected to offer financial customers meaningful access whilst promoting responsible usage of suitable and affordable financial solutions. The objectives of this paper are to identify CSF to conduct branchless banking for bank performance during the attack of the COVID-19 pandemic in Malaysia. These CSFs are important to reinforce the new business model recommended by the central bank of Malaysia (BNM). Through this study five CSFs have been identified which are customers do not physically attend to the bank for their banking needs, it is more efficient, saves time, secured, and low cost. As the industrial revolution (IR) 4.0 approaches, public acceptance, innovation, and strong financial services, as well as demand of digital payment will take over the country. National savings bank (BSN) was officially the first bank in Malaysia to conduct branchless banking through agent banking. In line with the BNM division strategy 2011–2020, BSN had launched banking beyond branches via BSN agents who offer banking services on behalf of BSN.
Co-Authors Khairi Azhar Aziz Marzanah A. Jabar Rozi Nor Haizan Nor