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Mobile banking apps have transformed the banking sector by offering customers with convenient, secure and easily accessible financial services. Even so, it is crucial for banks and the mobile banking apps developers to understand the factors that influence the utilisation of these apps among Malaysian consumer. This study will examine the influence of several factors which are security concerns, service quality, technological factors and convenience, on the usage of mobile banking apps. The study aims to discover the key factors that affect the usage of mobile banking apps. A quantitative research method was utilised, which involves the collection of data from an online survey. The survey managed to collect data from 152 respondents who are above 18 years old and users of mobile banking apps in Malaysia. The data was analysed with correlation analyses to examine the relationship between the variables. A multinominal logistic regression model was used as a predictive model to predict the usage of mobile banking apps. This study contributes to existing researches by highlighting the importance of security and convenience into the development and marketing strategies of mobile banking apps. The study can help them conduct improvements on their current apps and thus increase the usage of mobile banking apps among consumers in Malaysia. |
