ISSN: 1204-5357

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Research Article Open Access

The Profiling the Internet Banking Adopter


This paper presents the profile of the internet banking adopter in Malaysia based on a large scale survey. A logistic model is used to estimate the probability of a bank customer adopting internet banking. The profile of the adopter is constructed using demographic, social economic and technological capacity indicators. The method is a very simple one, which can be used by financial institutions to gain better understanding of their own internet banking customers.

Kooi Guan CHEAH, Sanmugam, A., Soon Yin TAN

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