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Profile of an Internet Banking Adopter

6 Pages Posted: 1 Dec 2006  

Sanmugam Annamalah

SEGi University College


This paper presents the profile of the Internet banking adopter in Malaysia based on a large-scale survey. A logistic model is used to estimate the probability of a bank customer adopting Internet banking. The profile of the adopter is constructed using demographic, social economic and technological capacity indicators. The method is a very simple one, which can be used by financial institutions to gain better understanding of their own Internet banking customers.

Suggested Citation

Annamalah, Sanmugam, Profile of an Internet Banking Adopter. Journal of Internet Banking and Commerce, Forthcoming. Available at SSRN:

Sanmugam Annamalah (Contact Author)

SEGi University College ( email )

33-35, Jalan Hang Lekiu 6
Kuala Lumpur, Wilayah Persekutuan 50100

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