Factors Affecting Online Banking Adoption among Students During COVID-19: Case of Universiti Utara Malaysia-UUM

ABSTRACT

Online banking-OB is a new information system that uses the Internet's creative resources to allow users to access a growing variety of financial services. It offers that country an advantage over other countries in financial transactions. During the lockdown and implementation of social distancing, it was difficult for students to buy daily necessities in stores, and many Malaysians turned to the Internet to fulfil their purchasing requirements. This paper aims to explore the adoption of online banking and describe the factors affecting online banking adoption among undergraduate students at UUM. The data was collected through a quantitative approach using a random sampling technique. A total of 210 students were selected and filled out the questionnaire. The study found that most students adopt online banking, and perceived usefulness, perceived ease of use, and consumer attitude represent most factors influencing online banking adoption. © 2022 IEEE.