The Adoption of Mobile Banking Application among Muslim Senior Citizens in Selangor, Malaysia

  • Mohamad Azwan Md Isa
  • Muhammad Zulhelmi Mohamad Sabri
  • Ferri Nasrul
  • Mohd Khairul Ariff Noh
  • Zaibedah Zaharum
  • Ruziah A Latif


The adoption rate of mobile banking application (MBA) in Malaysia is considered still low despite pronounced growth in number of smartphone users. Therefore, this study aims to investigate the factors that influence the intention to adopt MBA focusing on Muslim senior citizens (MSCs) particularly in Selangor, Malaysia. The four factors tested are perceived credibility (PC), perceived risk (PR), perceived ease of use (PEU) and perceived usefulness (PU). Primary data is collected from 150 respondents using a 5-point Likert scale questionnaire. Our study employs several analyses, namely descriptive, reliability, correlation and multiple regression analyses. The findings indicate that PC and PU have significant relationships and positively influence the intention to adopt MBA among the MSCs in Selangor. The findings are beneficial to related parties particularly the banking and financial institutions (BFIs), mobile service providers and policy makers in enhancing the service quality and efficient delivery of the MBA.


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How to Cite
MD ISA, Mohamad Azwan et al. The Adoption of Mobile Banking Application among Muslim Senior Citizens in Selangor, Malaysia. Asian Journal of Research in Business and Management, [S.l.], v. 2, n. 2, p. 43-51, june 2020. Available at: <>. Date accessed: 13 july 2020.