Problem statement

Majority of the Malaysian population do not use mobile banking services.

For mobile banking, the number of subscribers have reached 3.25 million, with the penetration
rate at 10.9% of the population and 7.6% af all the mobile subscribers. In term of growth,
internet banking has the potential to generate savings of about 1% of gross domestic product
annually (The Star Online,October 2,2013).

Perceived of Benefit
Customers always look for the benefit when selecting a decision-making process (Wright,1975), long
before the internet it was known. There is as well as absence of communication it is on the grounds that
by their own saving money does not have aid can explain or help them to do the exchange. Versatile
saving money just essentially gives the step and don't clarify. Murkherjee and Nath (2003) likewise found
that communication has assumed a noteworthy positive part on trust and trust can impact more clients to
use mobile banking services. In addition, Laforet and Li (2005) also verify that clients are absence of
familiarity with the administrations that offered by banks' site so they don't utilize the versatile keeping
money administrations. Thus, in this exploration, specialist can know the clients' response and perception
toward mobile banking. Banks additionally can tackle the issue and inadequacy of the versatile managing
an account and enhance the clients' fulfillment.

Perceived Usefulness
Bankers should understand the needs of the customers so that they can improve the inadequate
and insufficient of the services. This also can increase the customers usage intention of mobile
banking services. By using mobile banking, some of the problem might occur. Some customers
will think that mobile banking is difficult to utilize and its use is complicated. They will feel
unsure while using mobile banking, whether the application legal or illegal. So customer will feel
uncomfortable when they use that apps. Mobile banking services might make the customers
difficult to use because it is a new technology service. Rogers (2003) determine that the
innovation services are perceived as difficult to understand and use.

Perceived Credibility
There are a few problem that influence the behaviour of mobile banking users which is risk and trust. A
cell phone has the attributes of successive application establishment and system association. This raised
the security risk of hacking and malicious code execution. Moreover, there exists an unclear uneasiness
about the security of advanced mobile phone because of the way that very little time has gone since its
first introduction. Nearly every week we read about another high-profile hacking story on the news. From
major attacks such as Heartbleed to iCloud's targeted celebrity hack, it's not surprising that consumers just
don't trust mobile security. The trust in the service provider is considered to be the same, since the service
provider is the preferred bank for transactions regardless of whether it is for mobile banking or
smartphone banking. According to Sathye (1999), the low awareness of online banking is a major factors
causing people to ignore mobile banking.