ISSN: 1204-5357

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Research Article Open Access

Factors Affecting the Adoption of Internet Banking Amongst IIUM’ students: A Structural Equation Modeling Approach (SEM)


This article examines the factors that determine the internet banking adoption amongst International Islamic University Malaysia (IIUM) and its causal effects using a theoretical model based on the Technology Acceptance Model (TAM). The research model consists of four exogenous latent constructs, namely, awareness, perceived usefulness, trust and perceived risk and endogenous latent construct namely Internet banking adoption. Data relating to constructs were collected from 200 university’s students in (IIUM) and subjected to structural Equation Modeling (SEM) analysis. Confirmatory Factor Analysis (CFA) was performed to examine the reliability, construct validity, convergent validity and goodness of fit of structural models and measurement models. The hypothesized structural model fits the data well. The results show that the significant factor that leads to the adoption of internet banking is perceived usefulness but awareness, trust and risk have negative significant towards the use of internet banking.


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