Muslim Consumers’ Perception on Internet Banking Services
Marhana M. Anuar, Fadzli Adam, Zakaria Mohamad

Abstract
This study aims to analyze the Muslim consumers’ adopters’ category pertaining to adoption process, banking activities and perceptions on the Internet banking attributes. It also examines whether the demographic factors, products characteristics and categories of adopters influence the usage of Internet banking in the context of Rogers (1983) diffusion of innovations model. Using convenience sampling, a sample of 100 Malay respondents was interviewed in the period of two weeks in Kuala Terengganu. Many researches have been conducted on Internet banking but studies that focuses on Muslims consumers’ adoption of Internet banking remains scarce. The data were then analyzed by looking for adopters’ category, banking activities and Muslims consumers’ perception on the service attributes. The results revealed that the majority of Muslim consumers have not used Internet banking. However, the future of Internet banking is promising as many of the Muslim consumers fall in the early adopters and early majority. In addition, the majority of the respondents also indicated that they intent to use Internet banking service in the future. These findings would have significant implications for Internet banking providers.

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