Directions: Respond to each question with whatever knowledge you have. There are no right or wrong answers.

Be honest and realistic in your assessment. For section 1 to 7, state your agreement based on the following scales:
1 2 3 4 5 6 7

Strongly Disagree

Strongly Agree

Instructions: Select the applicable scale with red colour (e.g. 1). For personal information please put X in appropriate box. After filling the questionnaire save the filled one and send it back. Perceived Usefulness: Using the on-line banking systems would improve my performance in conducting banking transactions. Using the on-line banking systems would make it easier for me to conduct banking transactions. I would find the on-line banking systems useful in conducting my banking transactions. On-line banking eliminates geographic limitation and increase flexible in mobility; thus I can bank any place that has Internet connection. On-line banking eliminates time constraints; thus I can use the banking services at any time I like. On-line banking would be a convenient way to manage my finances. Perceived Ease of Use: My interaction with the on-line banking systems would be clear and understandable. It would be easy for me to become skillful at using the on-line banking systems. Learning to use the on-line banking systems would be easy for me. Interacting with the on-line banking will not require a lot of my mental effort. Overall, I would find the on-line banking systems easy to use. Behavior Intentions: I plan to use on-line banking. Assuming that I have access to the on-line banking systems, I intend to use it. I intend to increase my use of the on-line banking systems in the next 6 months. I will add on-line banking to my favorite links. Result Demonstrability I have no difficulty telling others about the result of using on-line banking. I believe I could communicate with others the advantages and disadvantages of using on-line banking. 1 1 2 2 3 3 4 4 5 5 6 6 7 7 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4 5 5 5 5 5 6 6 6 6 6 7 7 7 7 7 1 1 1 1 1 1 2 2 2 2 2 2 3 3 3 3 3 3 4 4 4 4 4 4 5 5 5 5 5 5 6 6 6 6 6 6 7 7 7 7 7 7

1 1 1 1

2 2 2 2

3 3 3 3

4 4 4 4

5 5 5 5

6 6 6 6

7 7 7 7

The results of using on-line banking are apparent to me. I would have difficulty explaining why using on-line banking may or may not be beneficial. Perceived Behavior of Control I would be able to operate the on-line banking systems. I have the resources to use the on-line banking systems. I have the knowledge to use the on-line banking systems. I have the ability to use the on-line banking systems. Subjective Norm: People who influence my behavior would think that I should use the on-line banking systems. People who are important to me would think that I should use the online banking systems. People who are important to me would truly believe in the benefits of the on-line banking systems. People who influence my behavior would support my using of the online banking systems. Computer self-efficacy:

1 1

2 2

3 3

4 4

5 5

6 6

7 7

1 1 1 1

2 2 2 2

3 3 3 3

4 4 4 4

5 5 5 5

6 6 6 6

7 7 7 7

1 1 1 1

2 2 2 2

3 3 3 3

4 4 4 4

5 5 5 5

6 6 6 6

7 7 7 7

I could conduct my banking transactions using the on-line banking systems if I had only the systems manuals for reference. 1 2 if I had seen someone else using it before trying it myself. 1 2 if I could call someone else for help if I got stuck. 1 2 if someone shows me how to do it first. 1 2 Perceived risk I am not confident over the security aspects of on-line banking in Malaysia. Others will know information concerning my on-line banking transactions. Others can tamper with information concerning my on-line banking transactions. Advances in internet security technology provide for safer on-line banking. It is very easy for my money be stolen if using on-line banking. Image If I were adopt on-line banking, it would give me higher status among my peers. If I were adopt on-line banking, I would be more prestigious among my peers than people who have not yet adopted it. Having on-line banking is trendy among my peers. 1 1 1 2 2 2 1 1 1 1 1 2 2 2 2 2

3 3 3 3

4 4 4 4

5 5 5 5

6 6 6 6

7 7 7 7

3 3 3 3 3

4 4 4 4 4

5 5 5 5 5

6 6 6 6 6

7 7 7 7 7

3 3 3

4 4 4

5 5 5

6 6 6

7 7 7

Perceived Credibility: Using the on-line banking systems would not divulge my personal information. I would find the on-line banking systems secure in conducting my banking transactions. Personal Profile: 1. How old are you? Below 25 years old 31 35 years old 41 45 years old 2. What is your gender? Male 3. What is your qualification? Matriculation Diploma Master 4. What is your current profession? Private sector employee Self employ 5. What is your monthly income? Less than Rs 20,000 Rs 35,000 Rs 50,000 Rs 65,000 and above 6. How many banks are you dealing with? 1 3 5 and above 25 30 years old 36 40 years old 46 years old and above Female Sr. Secondary Bachelor of Degree Doctor of Philosophy (PhD) Government sector employee 1 1 2 2 3 3 4 4 5 5 6 6 7 7

Rs 20,000 Rs 35,000 Rs 50,000 Rs 65,000

2 4

7. Which of the following services used by you through the on-line banking systems? (You can tick more than 1) On-line bill payment Checkbook application Fund transfer Check cancellation Financial planning and Account information and analysis balance enquiry Share margin trading Summary reports of account transactions None 8. Location? _____________________ Thank You.