Jacquline Tham, Mohd Shukri Ab Yazid, Abdol Ali Khatibi, S. M. Ferdous Azam


Trust, security, and privacy have been factors in many studies, were tested, and do significantly affect the adoption of virtual banking. However, studies with regards to customer perceive trust in relation to virtual banking adoption in Malaysia is limited. Due to low customers' adoption of the internet and mobile banking in Malaysia, this study was conducted to evaluate customers' perception of trusting internet and data security in adopting virtual banking. In this study, 402 samples were collected from local and foreign bank customers and were analyzed using SPSS and AMOS. Sample selection was based on convenience sampling technique, and quantitative method has been applied to evaluate the study objectives. Through the descriptive analysis and research findings, it has been evaluated that that customer perception on Privacy (Pr) does not significantly and positively influence virtual banking adoption in Malaysia.  And, the analysis in this study has also proven the hypothesis on Privacy (Pr) to be not valid. However, Privacy (Pr) is found significantly important in many studies. Further analysis showed weak agreement on customers perception with regards to their privacy protection in its' virtual banking platform. However, various study previous conducted have proven Privacy (Pr) to be significant in influencing adoption of virtual banking services. Therefore, perhaps Malaysian local banks should also focus on improving its' virtual banking strategy with regards to Privacy (Pr). The results obtained in this study are limited to questionnaires distributed within the Klang Valley. Future researchers may expand its boundary by taking a diverse sample and including qualitative approach. 


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the Internet and data security; customer perception; trusting virtual banking security


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