AN EMPIRICAL INVESTIGATION ON CONSUMER ACCEPTANCE OF INTERNET BANKING IN AN ISLAMIC BANK

The purpose of this study is to investigate the determinants that influence Internet banking acceptance among the Islamic bank’s customers. Technology acceptance model (TAM) is utilised as a point of departure. In this study, perceived credibility, amount of information on Internet banking, perceived enjoyment, and social norm are added to the model, in addition to perceived usefulness, perceived ease of use. More importantly, the estimated linear regression model suggests that perceived credibility and social norm are significant determinants of Internet banking acceptance among Muslims. In contrast, the estimated linear regression model suggests that perceived usefulness, perceived ease of use, perceived enjoyment and social norm are significant determinants of Internet banking acceptance among non-Muslims. Taken as a whole, the estimated linear regression model suggests that perceived credibility and social norm are significant determinants of Internet banking acceptance among the bank’s customers. Overall, the results of this study are valuable to both researchers and practitioners in providing new insights about the Internet banking from Islamic banking institution point of view.