THE DETERMINANTS OF VIRTUAL BANKING ADOPTION IN MALAYSIAN MARKET

The proliferation of digital technology and its integration into financial services have given rise to the emergence of virtual banking, representing a transformative shift in the banking landscape. This study delves into the determinants influencing the adoption of virtual banking within the Malaysian market. By employing a comprehensive research framework, encompassing technological, socio-economic, and regulatory factors, this research seeks to elucidate the multifaceted dynamics that shape the acceptance and utilization of virtual banking services among Malaysian consumers. Through a synthesis of empirical data and theoretical insights, this study contributes to a deeper understanding of the virtual banking adoption phenomenon in the Malaysian context, offering valuable implications for both practitioners and policymakers navigating the evolving financial ecosystem.

Autorentext

Sanmugam is lecturer for American,UK,Australian Degree & Master Programs in SEGi University College and a PHD candidate.Member of Malaysian Institute of Economic Research, Malaysian Economic Association, International reviewer for books & journals, Module writer for local Universities. Prior joining academic world worked in bank as Project Manager.