摘要
As the opportunities offered, most individuals and businesses feel that E-banking energies are great. Thus, threats are unavoidable to banks if they fail to identify consequences and vulnerabilities accompanying e-banking practices. The usage rate of e-banking in a top international commercial bank in Malaysia is rather diminutive compare to its other bases in countries like Singapore, China and India. Interestingly, it is on decreasing mode year by year. This study aimed to offer a good set of information of the factors influencing low usage and possibilities to suggest ways to increase the usage among the bank customers. In this study, a comprehensive survey data gathering were used to collect and analyze the respondents and results indicate that ease of use is the most significant contributor to the low usage. 204 valid feedbacks were obtained from the SCM bank＇s customers, with the research indicating that e-banking still has a gap to fill between customers, the bank and the e-system in maximizing the desire of existing clients to go over the net.
