Purpose

This study aims to investigate the behavioural intention and adoption of internet banking (IB) among clients of local and foreign Islamic banks in Malaysia.

Design/methodology/approach

Survey questionnaires were distributed among the Islamic banks’ clients at two main states, namely, Kuala Lumpur and Selangor. The number of clients involved is 319 (n = 319). The data was analysed using the partial least square (PLS) and theoretically, the research framework in this study is guided by the unified theory of acceptance and use of technology 2 (UTAUT2).

Findings

The smart PLS analysis yielded three main outcomes, namely, the variables such as performance expectancy, effort expectancy, price value, facilitating conditions and habit have a positive influence over the behavioural intention and subsequently lead to the adoption of IB. The other two variables, namely, social influence and hedonic motivation were negatively-related and insignificant for behavioural intention. Third, this paper also noticed that facilitating conditions and habits have a direct relationship with the adoption of IB.

Practical implications

Based on the findings, Islamic banks can take necessary action to design a better policy to further accelerate the usage of IB among their client. By identifying those factors, this, perhaps, can allow Islamic banks to invest more ideas on those significant factors that influence their interest, and subsequently leads to good business to Islamic banks as the clients nowadays are looking for simplicity and convenience factors when using IB.

Originality/value

This research is expected to enhance existing literature on internet banking, especially in Islamic banking research on the technological edge. Limited research has been done in Malaysia, particularly on the intention and continuous adoption of IB in Islamic banks using the UTAUT2 framework. This would be breakthrough research in identifying factors that influence customers’ continuous adoption of IB.

中文翻译：

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马来西亚伊斯兰银行客户的行为意向和网上银行采用：使用 UTAUT2 的分析

目的

本研究旨在调查马来西亚本地和外国伊斯兰银行客户的行为意图和网上银行（IB）的采用情况。

设计/方法/方法

调查问卷在吉隆坡和雪兰莪两个主要州属的伊斯兰银行客户中分发。涉及的客户端数量为 319（n = 319）。数据采用偏最小二乘法（PLS）进行分析，理论上，本研究的研究框架以技术接受和使用统一理论2（UTAUT2）为指导。

发现

智能PLS分析产生了三个主要结果，即绩效期望、努力期望、价格价值、便利条件和习惯等变量对行为意图有正向影响，从而导致IB的采用。其他两个变量，即社会影响和享乐动机与行为意向呈负相关且不显着。第三，本文还注意到便利条件和习惯与IB的采用有直接关系。

实际影响

根据调查结果，伊斯兰银行可以采取必要的行动来设计更好的政策，以进一步加快客户对 IB 的使用。通过识别这些因素，这或许可以让伊斯兰银行在影响其利益的重要因素上投入更多的想法，并随后为伊斯兰银行带来良好的业务，因为现在的客户在使用 IB 时正在寻找简单和方便的因素。

原创性/价值

这项研究有望加强现有的网上银行文献，特别是在技术优势的伊斯兰银行研究方面。在马来西亚进行了有限的研究，特别是关于使用 UTAUT2 框架在伊斯兰银行中使用 IB 的意图和持续采用。这将是确定影响客户持续采用 IB 的因素的突破性研究。