ABSTRACT
Differing characteristics of socio-environment is an important element that may influence the
acceptance of online services. This paper examines the impact of cultural trait on the intention to use
Internet banking. Drawing from the Technology Acceptance Model and trust literature, the study
investigates the influence of perceived ease of use, perceived usefulness, and trust on the intention to
use Internet banking among the Malay and Chinese Malaysian ethnic groups. The questionnaire was
distributed to final year business students and MBAs in four public universities in Malaysia. A separate
multiple regressions was employed to analyze the data for each ethnic groups. For both ethnic groups,
the results show that perceived usefulness, perceived ease of use, and trust, all have significant effect
on the intention to use Internet banking. Further examination of the regression coefficients reveal
important cultural traits that may explain the differences in the level of influence of each attribute on
the intention to use.