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# profile of respondent Demographic variables Gender Categories Male Female Age 18-24 25-31 32-38 39 and above Ethnic

Malay Indian Chinese Sabah/Sarawak Material status Single Marriage Widowed Divorce/Separated Educational level STPM Matriculation Diploma Degree Master PHD Program HE19 HE20 HE21 HE22 HE23 HC12 HC13 frequency 68 132 194 5 1 50 22 43 85 198 1 1 80 29 6 84 1 53 22 18 33 32 28 14 200 Percentage 34 66 97.0 2.5 0.5 25 11 21.5 42.5 99 0.5 0.5 40 14.5 3 42 0.5 26.5 11 9 16.5 16 14 7 100%

## Chapter 4: Data Analysis and Findings

4.1 Profile of respondent 4.2 Dependent and independent variables: Trust

independent variables

Involvement

Influence

Dependent variables

Satisfaction

Note: T= Trust, I= involvement, U= Influence, S= Satisfaction 4.3 Factor Analysis Factor analysis is to summarize patterns of correlations among observed variables, to reduce a large number of observed variables to a smaller numbers of factors, and to provide an operational definition for an underlying process. In order to ensure the appropriateness of factor analysis, six assumptions need to be met: 1) Kaiser-Meyer-Olkin measure of sampling adequacy (KMO) values must exceed .50.
2) The result of the Bartletts test of sphericity should be at least

significant at .05.
3) Anti-image correlation matrix of items should be at least above .

50.

4) Communalities of the variables must be greater than .50. 5) The factor loadings of .30 or above for each item are considered

## practical and statistically significant for sample sizes of 350 or greater.

6) Factors

with

eigenvalues

greater

than

are

considered

significant From the data that has been analysis, the KMO in dependent and independent variables is more than 0.5. The Bartletts test of sphericity also show the positive result because all of it is more than 0.05. The anti image for the independent variables show that all the highlight data is above 0.50. The independent and dependent variables shows that communalities is greater than .50, but that is after there are variables that been deleted after the test been run. Next is the eigenvalues. Both dependent and independent variables are significant because all is more than 1.

## 4.2.1independent variables (INVOLVEMENT, TRUST, INFLUENCE) First run

Rotated Component Matrixa Component 1 T2 T1 T5 T4 T3 U2 I1 I4 I2 I3 U1 U3 .884 .831 .806 .761 .709 .453 .813 .774 .755 .742 .823 .788 .446 2 3

Extraction Method: Principal Component Analysis. Rotation Method: Varimax with Kaiser Normalization. a. Rotation converged in 4 iterations.

## Second run (Removed U2)

Rotated Component Matrixa Component 1 T2 T1 T5 T4 T3 I1 I4 I2 I3 U1 U3 .884 .835 .812 .770 .730 .816 .776 .757 .740 .852 .797 2 3

Extraction Method: Principal Component Analysis. Rotation Method: Varimax with Kaiser Normalization. a. Rotation converged in 4 iterations.

Final run

KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy. Bartlett's Test of Sphericity .823

## Approx. Chi-Square 909.53 9 df Sig. 55 .000

Anti-image Matrices I1 Anti-image Covariance I1 I2 I3 I4 T1 T2 T3 T4 T5 U1 U3 Anti-image Correlation I1 I2 I3 I4 T1 T2 T3 T4 T5 U1 U3 .496 -.214 -.122 -.126 -.081 .048 .018 -.043 -.011 .043 .005 .790a -.406 -.219 -.235 -.195 .119 .034 -.090 -.024 .073 .008 I2 -.214 .559 -.036 -.123 .025 -.042 -.074 -.049 .061 .063 -.039 -.406 .791a -.062 -.216 .056 -.098 -.133 -.096 .124 .100 -.062 I3 -.122 -.036 .627 -.191 -.091 .080 -.002 .027 -.056 -.006 .038 -.219 -.062 .780a -.316 -.197 .176 -.004 .050 -.107 -.009 .057 I4 -.126 -.123 -.191 .582 .071 -.032 .003 .029 -.014 -.088 -.086 -.235 -.216 -.316 .775a .158 -.073 .005 .056 -.027 -.137 -.134 T1 -.081 .025 -.091 .071 .344 -.174 -.063 -.011 -.065 -.059 -.017 -.195 .056 -.197 .158 .823a -.514 -.144 -.028 -.168 -.119 -.034 T2 .048 -.042 .080 -.032 -.174 .331 -.082 -.105 -.061 .074 -.004 .119 -.098 .176 -.073 -.514 .797a -.192 -.267 -.161 .153 -.008 T3 .018 -.074 -.002 .003 -.063 -.082 .555 -.003 -.100 -.033 -.061 .034 -.133 -.004 .005 -.144 -.192 .922a -.005 -.204 -.052 -.098 T4 -.043 -.049 .027 .029 -.011 -.105 -.003 .463 -.154 -.078 -.051 -.090 -.096 .050 .056 -.028 -.267 -.005 .879a -.344 -.136 -.089 T5 -.011 .061 -.056 -.014 -.065 -.061 -.100 -.154 .436 -.035 .023 -.024 .124 -.107 -.027 -.168 -.161 -.204 -.344 .879a -.063 .042 U1 .043 .063 -.006 -.088 -.059 .074 -.033 -.078 -.035 .707 -.273 .073 .100 -.009 -.137 -.119 .153 -.052 -.136 -.063 .704a -.386 U3 .005 -.039 .038 -.086 -.017 -.004 -.061 -.051 .023 -.273 .706 .008 -.062 .057 -.134 -.034 -.008 -.098 -.089 .042 -.386 .790a

Communalities Initial I1 I2 I3 I4 T1 T2 T3 T4 T5 U1 U3 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Extraction .713 .617 .559 .675 .740 .785 .580 .651 .691 .754 .695

## Extraction Method: Principal Component Analysis.

Total Variance Explained Extraction Sums of Squared Loadings % of Cumulati Variance ve % 39.035 17.532 11.254 39.035 56.567 67.820 Rotation Sums of Squared Loadings % of Cumulati Variance ve % 31.146 22.716 13.958 31.146 53.862 67.820

Com pon % of Cumulati ent Total Variance ve % 1 2 3 4 5 6 7 8 9 10 11 4.294 1.928 1.238 .716 .549 .489 .481 .420 .374 .310 .203 39.035 17.532 11.254 6.505 4.992 4.442 4.372 3.814 3.396 2.817 1.842 39.035 56.567 67.820 74.325 79.317 83.759 88.131 91.945 95.341 98.158 100.000

Initial Eigenvalues

## Extraction Method: Principal Component Analysis.

Rotated Component Matrixa Component 1 T2 T1 T5 T4 T3 I1 I4 I2 I3 U1 U3 .884 .835 .812 .770 .730 .816 .776 .757 .740 .852 .797 2 3

Extraction Method: Principal Component Analysis. Rotation Method: Varimax with Kaiser Normalization. a. Rotation converged in 4 iterations.

## Measurement: Acceptance of Online Banking

ITEM Trust T2 Using online banking is financially secure T1 T5 T3 T4 I trust in the ability on online banking to protect my privacy Information concerning my online banking transaction cannot be access by others. I am confident of using online banking even if there is no one around to show me how to use it I am confident online banking in Malaysia secure1 Involvement I1 I4 I2 I3 Online banking is very reliable Online banking transaction are economical Online banking is of outstanding quality Online banking provide easy access to information Factors that influence customer in using online banking U 1 U 3 My decision to use online banking is influence by my friend My decision to use online banking is influence by colleagues Eigen value % of variance Total Variance Explained 67.820 Measure Of Sampling Adequacy 823 Bartletts Test of Sphericity 909.539 .

F1

F2

F3

Significant 0.00

## 4.2.2 Dependent variable (SATISFACTION)

KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy. Bartlett's Test of Sphericity .868

## Approx. Chi-Square 493.87 9 df Sig. 15 .000

Communalities Initial S1 S2 S3 S5 S6 S7 1.000 1.000 1.000 1.000 1.000 1.000 Extraction .679 .534 .586 .635 .610 .524

## Extraction Method: Principal Component Analysis.

Total Variance Explained Extraction Sums of Squared Loadings % of Variance 59.479 Cumulativ e% 59.479

Initial Eigenvalues Com pone % of Cumulativ nt Total Variance e % Total 1 2 3 4 5 6 3.569 .728 .514 .475 .376 .338 59.479 12.133 8.575 7.914 6.262 5.636 59.479 71.613 80.187 88.101 94.364 100.000

3.569

Total Variance Explained Extraction Sums of Squared Loadings % of Variance 59.479 Cumulativ e% 59.479

Initial Eigenvalues Com pone % of Cumulativ nt Total Variance e % Total 1 2 3 4 5 3.569 .728 .514 .475 .376 59.479 12.133 8.575 7.914 6.262 59.479 71.613 80.187 88.101 94.364

3.569

## Extraction Method: Principal Component Analysis.

Satisfaction S1 S2 S3 S5 S6 S7 Online banking allowed me to manage my finance more efficiently Online banking gives me greater control over my finance. Online banking is compatible with my lifestyle Online banking is a convenient way to manage my finance. Online banking is useful for managing my financial resource. Online banking makes it easier for me to conduct my banking transaction. Eigen value Total Variance Explain Measure of Sampling Adequacy Bartletts test of Sphericity Significant 3.569 59.479 .868 493.879 .000

4.4 Reliability test 4.3.1 Independent variables Trust: Case Processing Summary N Cases Valid Exclude da Total 200 0 200 % 100.0 .0 100.0

a. Listwise deletion based on all variables in the procedure. Reliability Statistics Cronbach's Alpha .883 N of Items 5

## N 200 200 200 200 200

Item-Total Statistics Scale Cronbach's Scale Mean Variance if Corrected Alpha if if Item Item Item-Total Item Deleted Deleted Correlation Deleted T1 T2 T3 T4 T5 12.4000 12.4250 12.3400 12.4850 12.3100 9.920 10.376 10.859 10.643 9.934 .757 .783 .641 .690 .735 .850 .845 .876 .865 .855

Involvement: Case Processing Summary N Cases Valid Exclude da Total 200 0 200 % 100.0 .0 100.0

a. Listwise deletion based on all variables in the procedure. Reliability Statistics Cronbach's Alpha .795 Item Statistics Std. Deviation N of Items 4

Mean

Case Processing Summary N Cases Valid Exclude da Total I1 I2 I3 I4 3.5700 3.3900 3.8700 3.7250 200 0 200 .79262 .76867 .77206 .77614 % 100.0 .0 100.0 200 200 200 200

Item-Total Statistics Scale Cronbach's Scale Mean Variance if Corrected Alpha if if Item Item Item-Total Item Deleted Deleted Correlation Deleted I1 I2 I3 I4 10.9850 11.1650 10.6850 10.8300 3.392 3.656 3.744 3.599 .674 .592 .551 .606 .709 .751 .770 .743

Influence: Case Processing Summary N Cases Valid Exclude da Total 200 0 200 % 100.0 .0 100.0

a. Listwise deletion based on all variables in the procedure. Reliability Statistics Cronbach's Alpha .639 N of Items 2

## Mean U1 U3 3.2800 3.2250

N 200 200

Item-Total Statistics Scale Cronbach's Scale Mean Variance if Corrected Alpha if if Item Item Item-Total Item Deleted Deleted Correlation Deleted U1 U3 3.2250 3.2800 1.070 1.057 .470 .470 .a .a

a. The value is negative due to a negative average covariance among items. This violates reliability model assumptions. You may want to check item codings.

4.3.2 Dependent variables Satisfaction: Case Processing Summary N Cases Valid Exclude da Total 200 0 200 % 100.0 .0 100.0

a. Listwise deletion based on all variables in the procedure. Reliability Statistics Cronbach's Alpha .863 N of Items 6

Item Statistics Std. Deviation .82004 .84578 .76349 .80074 .77717 .78778

## N 200 200 200 200 200 200

Item-Total Statistics Scale Cronbach's Scale Mean Variance if Corrected Alpha if if Item Item Item-Total Item Deleted Deleted Correlation Deleted S1 S2 S3 S5 S6 S7 17.5750 17.6800 17.5450 17.5900 17.6400 17.1950 9.351 9.726 9.928 9.610 9.789 10.037 .723 .608 .653 .685 .670 .600 .827 .849 .840 .834 .837 .850

From the table: summary of reliability analysis Reliability analysis on variables in the study

## Variables Involvement Trust Influence satisfaction

No of item 4 5 2 6

## Cronbachs alpha .795 .883 .639 .863

Reliability analysis is to establish by testing for both consistency and stability of the set of item that positively correlated to one another. Cronbachs alpha was calculated. Generally, an alpha value close to 1.0 indicates high internal consistency reliability, an alpha value less than 0.6 is considered to be poor, values of 0.7 are considered acceptable and values above 0.8 are deemed to be good (Sekaran & Bougie, 2009). From the table above, after the data been analyse and reduce, all the Cronbachs alpha is more than 0.6 and it shows that the variables have a high internal consistency reliability. Even though the variables of influence is only 0.639, it still consider acceptable.

## Descriptive Statistics Minimu Maximu Mean m m Std. Deviati on

Skewness

Kurtosis

Statisti Statisti Statisti Statisti Statisti Statisti Std. Statisti Std. c c c c c c Error c Error involvem ent trust influence satisfacti on Valid N (listwise) 200 200 200 200 200 2.00 1.00 1.00 1.83 5.00 5.00 5.00 5.00 3.6388 .61170 3.0980 .79268 3.2525 .88397 3.5075 .61579 .163 -.061 -.383 .033 .172 .172 .172 .172 .007 -.167 .013 .195 .342 .342 .342 .342

From the Table: summary of Descriptive analysis Mean and Standard Deviation for variables in the study Variables Involvement Mean 3.6388 Standard Deviation .61170

Trust

3.0980

.79268

Influence Satisfaction

3.2525

.88397

3.5075

.61579

Descriptive Analysis measure the value of the mean and the standard Deviation of the variables. Based on the scale 1 to 5, the mean score less than 2 is rated as low, 2 to 4 as average and mean score more than 4,

rated as high. From the summary of the variables, all the mean show more than 3.0 and this can be rated as average. 4.6 Correlation analysis involvemen t involvemen Pearson t Correlation Sig. (2-tailed) N trust Pearson Correlation Sig. (2-tailed) N influence Pearson Correlation Sig. (2-tailed) N satisfaction Pearson Correlation Sig. (2-tailed) N **. Correlation is significant at the 0.01 level (2tailed). The Pearson correlation coefficient values can vary from -1.00 to +1.00.the number of +1.00 represent perfect positive correlation, while -1.00 represent perfect negative correlation. This means, the highest the number to the positive, the better or the stronger the correlation between variables. From the table above, we can see that the relation between involvement and satisfaction is the highest and the lowest is relation 1 satisfactio influence n .225** .001 200 .358** .000 200 1 .641** .000 200 .493** .000 200 .315** .000 200 1

## From this data, we can see that

maybe involvement or influence have the impact of the correlation between variables. This question can be answer when we look at the next data analysis that is regression analysis.

Method

Enter

## a. All requested variables entered. b. Dependent Variable: satisfaction

Model Summary Std. Error R Adjusted R of the Square Square Estimate .510 .502 .43436

Mode l R 1 .714a

## a. Predictors: (Constant), influence, involvement, trust

ANOVAb Sum of Squares 38.482 36.979 75.461 Mean Square 12.827 .189

df 3 196 199

F 67.990

Sig. .000a

## a. Predictors: (Constant), influence, involvement, trust b. Dependent Variable: satisfaction

Coefficientsa Standardiz ed Coefficient s Beta t 3.267 .527 .291 .092 9.904 5.236 1.707 Sig. .001 .000 .000 .089

Unstandardized Coefficients Model 1 (Constant) involvemen t trust influence B .669 .530 .226 .064 Std. Error .205 .054 .043 .038

## a. Dependent Variable: satisfaction

From the table: Summary of Regression Analysis Regression analysis of all independent variables with satisfaction Dependent Variables Satisfaction Trust Influence R2 independent Variables Involvement 0.291** 0.092 std. Coefficient 0.527**

0.510

Sig. F 67.990

## Note: significant Levels: ** p < 0.01, * p < 0.05

From the regression analysis, we can make a conclusion that the independent variables (influence), is not significant compare to the other variables. That why in the correlation analysis, the relation between influence and involvement is very low because influence variable is not significant.

## Chapter 5: Discussion and conclusion

5.1 Introduction The purposes of this chapter are to summarize and discuss the relevant findings of this study. First, this chapter present brief view purpose and then result of this study. Then, continue with discussion. Next, is theoretical and methodological, contribution as well as managerial implications. Finally, the limitation and recommendation part of this study for future research. 5.2 Discussion of Findings

Factor analysis is to summarize patterns of correlations among observed variables, to reduce a large number of observed variables to a smaller numbers of factors, and to provide an operational definition for an underlying process. The dependent variable in this study is satisfaction while independent variable is trust, involvement and influence. Both dependent and independent variables are significant because all is more than 1 (refer to discussion, chapter 4). Reliability analysis is to establish by testing for both consistency and stability of the set of item that positively correlated to one another. Cronbachs alpha was calculated. In this study, the Cronbachs alpha value is more than 0.6 and it shows that the variables have high internal consistency reliability. Descriptive Analysis measure the value of the mean and the standard Deviation of the variables. The mean in this study was 3.00 and it consider as average. The Pearson correlation coefficient values can vary from -1.00 to +1.00.the number of +1.00 represent perfect positive correlation, while -1.00 represent perfect negative correlation. Relation between involvement and satisfaction is the highest and the lowest is relation between influence and involvement (refer to discussion, chapter 4). Finally, in regression analysis, in this study can conclude that the independent variables (influence), is not significant compare to the other variables (refer to discussion, chapter 4).

5.3 Contribution of research This study offers theoretical ramification. This study also contributes of student involvement, satisfaction, trust and factor that influence customer in using online banking. In todays business environment, students are aware of the importance of online banking especially among undergraduate students. Through this study, it provides the main factor which attracted students to use online banking in daily transaction. The findings which derived from this research may be useful to students

insofar as alerting them to the factor of attracted in using online banking. Finally, this also study provide some useful guidelines for academician or policy makers, to increase the usage of online banking among students. 5.4 Managerial Implication The findings of this study provide several managerial implications for manager and practitioner, especially those who are involve with online banking. This study provide strong evidence that it could help managers to gain better knowledge on the usage of online banking among students , based on the result that we can conclude that in chapter 4 we achieved our objective which is (1) to investigate the involvement of students in using online banking, (2) to determine the satisfaction of existing student that offer by online banking, (3) to determine the trustable level of the students towards online banking and (4) to identify the factor that influence student in using online banking. In term of the involvement, online banking become students choice because online banking is very reliable. It provide easy access information to student, and the transaction are economical as well as it outstanding quality. Nowadays, involvement of customers especially students are more like to use online banking for every single transaction even to do reload transaction. To determine the satisfaction of existing student that offer by online banking can help students to manager and control their finance efficiently, easier to conduct banking transaction. Online banking is convenient for students because it does not require a lot of mental effort. Students will feel satisfied with online banking because online banking is compatible with their lifestyle. Based on the result, student feel more trusted when using online banking. It because they find out their privacy risk protected by bank. Students feel confident when using online banking because the information concerning by them in online banking transaction cannot be access by other through transaction access code (TAC).

Lastly, the objective which stated in this study that already achieved is factor that influence student in using online banking. Influence from friend one of factor as well influence from family member. Due to online banking service is available for 24 hours for seven day nonstop it is very convenient for student to manage their account effectively. 5.5 Limitations of the study This study is constrained by limitation as well. Specific limitation of the methodology and methods are discussed on Chapter 4 in regards to limitation of data collection and data analysis along the stages of the development cycle. The limitations of the research are first addressed by discussion the objective of the research, discussion the limitation of the data, data analysis and the validity of analysis. Objective of research The main objective of this research is to determine the usage of online banking in Malaysia among student especially in UMSKAL. The limitation which this study found are restricted by the limited number of questionnaire may affect the accuracy of research. Total candidate for this research are 200 students out of 2550 students. Therefore, it will be problematic to generalize the findings to other part as well. Besides that, the accuracy of the research is full depended on the respondent. It based on their cooperation and how they fill the questionnaire. Some of the person which fill up this questionnaire just fill and not answering according to question. The trustworthiness of research depend on what counts as knowledge? (Lincoln & Guba,1985). The limitations of this study are the respondent may not fully understand about the certain meaning in the questionnaire that will lead to different meaning. This research also only focus student in UMSKAL, and this questionnaire also not distributed to the lectures as well. Limitation of data Data management involves the procedure used for a systematic, process of data collection, storage and retrieval for the high quality,

accessible data, the documentation of analysis and retention of data ( Huberman & Miles,1998 ). Data source for this questionnaire are based on questionnaire which is the limitation. The targets for this study are student who are among 18-24 years. However the data which used for this research are fully completed. Data analysis All the data collected will be analyzed through Statistical Program for Social Science (SPSS). This software will help to identify the association and relationship between variables. Cronbachs alpha is used to measure the reliability of data collected. Coefficient alpha between 70% to 80% are acceptable and more than 80% are good (Sekaran & Bougie,2009) .The limitation which gain through this data are some of the variables are fall below 70% which have to reject the variable. However, within the limitations of the study the study provide some interesting result and spend avenues for further result. 5.6 Recommendation for Future Research Due to the limitation of the study on online banking, this has shown that the future study on similar research should be refined and making improvement in order to create more conciseness and more sufficient data to make easier to understand on the related study. Therefore, through the limitation of the study, objective of the research, limitation of the data as well as the data analysis, this study has stated clearly that some recommendation are needed to improve on future research. From the first limitation of the study which is the main objective of the research. UMSKAL has around 2550 local and foreign students, instead of taking all students; the study enquires only 200 students out of 2550 that will be almost only 8% students from UMSKAL. Therefore, this limited number of respondent on our questionnaire may be affecting the accuracy of the research. Besides that, when doing some research we need a lot of