Internet has been the most useful technology of the modern times which helps us not only in our daily lives, but also our personal and professional lives developments. The internet helps us achieve this in several different ways. [http://www.yourmaindomain.com/web-articles/use-of-internet.asp]
Use of the internet will continue to expand and more businesses will venture into this unlimited access of information and border. Same goes to the bank or financial institutions. I believe, almost every financial institution in Malaysia now have their own website and provide online banking services. But, do all the customers using this service? I know I only use online banking of certain bank but it actually took me years to really believe in online banking and online purchasing. Despite all the convenience of using internet banking I don't really use online banking. Despite all the financial institution's effort to ensure the safety and security of performing online banking, why still people have less confidence towards it safety? Are they not doing enough to convince the customers?
One of my close friend never uses internet banking until recently. Reason being, he does not fully confident that the bank's firewall is strong enough to prevent unauthorized access, hackers etc. that will jeopardize his banking transactions. He rather goes to the bank to perform his banking activities. He missed his installment payment couple of times whenever he was too busy to go to the bank to perform his banking transaction not because he forgot but, he didn't have the confidence to perform his banking transaction online. So, what actually made him start online banking and what type of transaction?
Convenience! He always busy and does not have enough time in the day to get everything he needs to do done. He has son in college and used to excuse himself during meeting and walk himself to the convenience store whenever his son asked him for prepaid top-up urgently. That is why he started using online banking, because of its convenience. Instead of walking down to the convenience store, he just need to login online and get his banking done at his convenient. That's all and only that type of transaction. It was a good start but still what made his resistance towards online banking or maybe online purchasing too intense?
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