Abstract
Internet banking is gaining popularity in Malaysia due to its convenience which is
achieved by unique business interactions between banking institutions and customers via websites
and mobile applications. However, the incredible escalation of internet fraud cases has caused increased privacy and security risks for internet banking customers. Based on a review of literature,
this paper developed a research framework to gauge the impact of customer perception about the
effectiveness of biometrics technology on perceived privacy and security and its influence on trust
and intention to continue internet banking. In light of the growing viability of biometrics technology as a solution for internet banking issues, the developed framework is then used to assess
whether perceptions of biometrics effectiveness for internet banking has significant impact on the
relationship between trust and perceptions of privacy as well as security. By testing the framework using a sample of 413 internet banking users, this study offers significant insights into the
potential effectiveness of biometrics technology application in an internet banking context to alleviate privacy and security concerns and improve trust among Malaysian customers. The findings
revealed that although there was an insignificant relationship between perceived privacy and trust,
perceived biometrics effectiveness significantly influenced the strength of the relationships between
both perceived privacy and perceived security with trust.
Normalini M.K, T. Ramayah. (2017) Trust in Internet Banking in Malaysia and the Moderating Influence of Perceived Effectiveness of Biometrics Technology on Perceived Privacy and Security, Journal of Management Sciences, Volume 4, Issur 1.
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