This chapter is presents the information analysis and discourse about the consequences obtained. The intent for this chapter is to analyze the relationship between independent variables and dependent variable. In this chapter, the information was be determined and discussed by utilizing few analyses. The analysis has included descriptive analysis, dependability analysis, Pearson ‘s Product-Moment Correlation, ANOVA, and arrested development. In add-on, there are two types of the arrested development was being reference in this chapter which are additive arrested development and multiple arrested development. Linear arrested development uses merely two variables which are one dependent variable and one independent variable. However, multiple arrested development are uses three or more variables which are one dependent variable and two or more independent variables.

4.2 Frequency Analysis

Frequency analysis is use to depict the population or sample being studied. The intent of making frequence analysis is to sum up and depict the information. In the frequence analysis subdivision, the respondents ‘ gender, age, race, income degree, business, and others were being conducted. In this subdivision, the frequence and per centum were being discussed. Besides, frequence analysis besides has step of cardinal inclination such as mean and scattering such as standard divergence. The consequence besides can be show by utilizing saloon graphs, histogram, pie charts, line charts, and others.

What is your gender?

Frequency

Male

51

Female

49

Entire

100

Mean: 1.49

Standard Deviation: 0.502

Table 4.2.1 Gender of Respondent

Figure 4.2.1 Gender of Respondent

Table 4.2.1 is show the gender of the respondents. From the tabular array, we can cognize that the mean of the gender is 1.49 and the standard divergence of gender is 0.502. Besides, the pie chart is show about the per centum of the gender of respondent. The respondents are indiscriminately selected. The highest respondents that responded to the study are male which is 51 % whereas the lowest per centum of respondents is female which is 49 % .

What is your age?

Frequency

Below 20

1

20 to 30

46

31 to 40

33

41 and above

20

Entire

100

Mean: 2.72

Standard Deviation: 0.792

Table 4.2.2 Age Group of Respondent

Figure 4.2.2 Age Group of Respondent

Table 4.2.2 is show the age of the respondents. Pie chart besides can be show in this subdivision. Figure 4.2.2 is show the per centum for the age of respondent. The highest respondents that responded to the study are from the scope of 20 to 30 old ages old which is 46 % whereas the lowest per centum of respondents that respond falls to the group of below 20 old ages old which is 1 % . There were 33 respondents are 31 to 40 old ages old and 20 respondents are 41 old ages old and above. The frequence is non same for each age group because the respondents are being selected indiscriminately. In add-on, the average value for age group of respondent is 2.72 and the standard divergence is 0.792.

What is your race?

Frequency

Malay

29

Chinese

43

Indian

28

Entire

100

Mean: 1.99

Standard Deviation: 0.759

Table 4.2.3 Race of Respondent

Figure 4.2.3 Race of Respondent

Table 4.2.3 shows the race of the respondents who took portion in this study. The average value for race of respondent is 1.99 and the standard divergence is 0.759. Figure 4.2.3 is show the per centum of race of respondent. It is shown that the Chinese population occupies 43 % which is 43 respondents from the questionnaires distributed. The 2nd will be the Malay population with 29 respondents which is 29 % . In add-on, there are 28 respondents is Indian which occupies 28 % .

What is your income degree?

Frequency

RM1001 to RM2000

8

RM2001 to RM3000

34

RM3001 to RM4000

37

RM4000 above

21

Entire

100

Mean: 3.71

Standard Deviation: 0.891

Table 4.2.4 Income Level of Respondent

Figure 4.2.4 Income Level of Respondent

Table 4.2.4 is show the income degree of the respondents. The mean has obtained 3.71 and the standard divergence has obtained 0.891. From the figure 4.2.4, we can cognize that there are 37 respondents are earn RM3001 to RM4000 each month which is occupies 37 % among the respondents. Besides, the income degree of RM1001 to RM2000 are occupies 8 % . In add-on, there are 34 % of respondents ‘ income degree are RM2001 to RM3000 and 21 % of respondents ‘ income degree are RM4000 above. The respondents which indiscriminately selected are come from different industry so that their monthly income degree might different.

What is your business?

Frequency

Director

20

Operator

25

Salesperson

32

Others

23

Entire

100

Mean: 2.58

Standard Deviation: 1.056

Table 4.2.5 Occupation of Respondent

Figure 4.2.5 Occupation of Respondent

Table 4.2.5 is show the business of the respondents. The mean for business of respondent is 2.58 and the standard divergence is 1.056. From the figure above, we can cognize that there are 32 % of respondents are work as sales representative. 25 % of respondents are work as operator, and 20 % of respondents are work as director. Besides, there are 23 % of respondents are taking others which has included man of affairs, attorney, and comptroller.

Make you aware the of import of nomadic banking presents?

Frequency

Yes

53

No

47

Entire

100

Mean: 1.47

Standard Deviation: 0.502

Table 4.2.6

Figure 4.2.6

Table 4.2.6 is showed the respondents ‘ point of position toward consciousness of the of import of nomadic banking presents. The mean has obtained 1.47 and the standard divergence has obtained 0.502. The figure show that there are 53 % of respondents cognizant to the of import of nomadic banking might because they feel that utilizing nomadic banking can give them a batch of benefit. Besides, there are 47 % of respondents are non cognizant to the of import of nomadic banking. It might because they are non familiar with nomadic banking services.

Do you hold a good experience when utilizing the nomadic banking services?

Frequency

Yes

54

No

46

Entire

100

Mean: 1.46

Standard Deviation: 0.501

Table 4.2.7 Experience of Respondent

Figure 4.2.7 Experience of Respondent

Table 4.2.7 is show the experience of respondents when they utilizing the nomadic banking services. The mean for experience of respondent is 1.46. Besides, the standard divergence for experience of respondent is 0.501. In add-on, figure 4.2.7 has showed that there are 54 % of respondents have the good experience when they are utilizing mobile banking services. Besides, there are 46 % of respondents do non hold good experience when utilizing mobile banking services. The screen of the nomadic phone might give negative experience to the respondents.

Have you applied the value bundle that provide by nomadic banking telecommunications company such as Maxis and Digi to acquire the benefit on the fees on cyberspace service?

Frequency

Yes

36

No

64

Entire

100

Mean: 1.64

Standard Deviation: 0.482

Table 4.2.8 Percentage of Respondent has Applied for Value Package

Figure 4.2.8 Percentage of Respondent has Applied for Value Package

Table 4.2.8 is show the per centum of how many respondents has applied for the value bundle that provide by nomadic telecommunications to acquire the benefit on fees on internet service. From the tabular array above, we can cognize that the mean for this inquiry is 1.64 and the standard divergence is 0.482. Besides, figure 4.2.8 has showed that there are 64 % of respondents have non applied for this sort of bundle. It is because the respondents feel that this bundle is non utile and they are seldom utilizing nomadic banking services. But there are 36 % of respondents have applied for this value bundle because they think that it can assist them cut down in cost and it is valuable.

I have used the nomadic banking services,

Frequency

Below 2 times per month

42

2 to 10 times per month

44

11 to 20 times per month

13

Above 20 per month

1

Entire

100

Mean: 1.73

Standard Deviation: 0.723

Table 4.2.9 Timess per Month that Respondents Used Mobile Banking Servicess

Figure 4.2.9 Timess per Month that Respondents Used Mobile Banking Servicess

Table 4.2.9 is show the frequence of respondents that used the nomadic banking services. The mean for this inquiry has obtained 1.73 and the standard divergence has obtained 0.723. From the figure 4.2.9, we can find that there are 44 % of respondents are used this nomadic banking services 2 to 10 times per month and 1 % of the respondents are used this services above 20 times per month. Besides, there are 42 % of respondents are used mobile banking services below 2 times per month and 13 % of respondents are used this services 11 to 20 times per month.

What type of nomadic banking merchandises that you normally utilize?

Frequency

Make measure payment ( public-service corporation measures, recognition cards etc )

30

Make dealing

8

Check the history balance or latest dealing

46

Request services ( cheque book petition )

16

Entire

100

Mean: 2.48

Standard Deviation: 1.087

Table 4.2.10 Type of Mobile Banking Products that Respondents Normally Use

Figure 4.2.10 Type of Mobile Banking Products that Respondents Normally Use

Table 4.2.10 is demoing the types of Mobile banking merchandises that respondents are normally used. This inquiry has the average value of 2.48 and the standard divergence of 1.087. From figure 4.2.10, we can cognize that the most popular Mobile banking services that respondents used is to look into their history balance or latest dealing by utilizing Mobile banking which is occupies 46 % . Besides, there are merely 8 % of respondents are utilizing nomadic banking to do the dealing. In add-on, there are 30 % of the respondents are utilizing nomadic banking to do the measure payment and 16 % of the respondents are utilizing nomadic banking to bespeak for services.

4.3 Descriptive Analysis

Descriptive analysis is used to depict the informations in quantitative footings. In the descriptive analysis, Mean and Standard Deviation of the dependant variable and independent variables has been discussed.

4.3.1 Summary of Descriptive Statistics

Descriptive Statisticss

Nitrogen

Mean

Demographic

100

3.4100

Trust

100

3.1920

Convenient

100

3.3020

Save Time and Cost

100

3.3900

Servicess and service Quality

100

3.5020

Perceived Ease to Use

100

3.3440

Complexity

100

3.4660

Customers ‘ Percept

100

3.5386

Table 4.3.1 Summary of Descriptive Statistics

Table 4.3.1 show the mean and standard divergence of the independent variables and dependent variable. Table 4.3.1 has show that the mean for all variables has above 3. It means that the respondents are more choosing either disagree or agree of the inquiry.

4.3.2 Descriptive Analysis of Demographic

Mean

Std. Deviation

Customers who live in development states are more familiar with utilizing nomadic banking services.

3.31

1.368

Young coevalss are more confident and have involvement to utilize nomadic banking.

4.49

0.559

Customers who have high income degree are more willing to utilize the nomadic banking because they non much worried that they will lose their money due to the mistake occur when they utilizing nomadic banking.

2.99

1.367

Peoples who have professional occupations ( eg: attorney, comptroller, etc ) are more utilizing nomadic banking services.

3.19

1.440

Male are more utilizing nomadic banking services compare to female because male are more willing attempt to utilize new merchandises or services.

3.06

1.448

Table 4.3.2 Descriptive Analysis of Demographic

Table 4.3.2 has showed that the highest mean in demographic is the immature coevalss are more confident and have involvement to utilize the Mobile banking which is 4.49. It means clients feel that immature coevalss have high assurance in utilizing nomadic banking. Besides, clients who have high income degree are more willing to utilize nomadic banking have lowest mean which is 2.99. It mean that clients who have high income degree besides will worried that they will lose their money due to the mistake occur when they utilizing nomadic banking.

4.3.3 Descriptive Analysis of Trust

Mean

Std. Deviation

Hacker or interlopers will non acquire in to my private profile easy, because I to the full trust the bank.

3.25

1.533

Connection is interruptions or gulf will present the hazards to mine banking actions.

3.56

1.388

I do non swear my accomplishments and worry that I might lose or take the incorrect options when utilizing the nomadic banking because the screen of nomadic phone is smaller.

2.82

1.373

I worried that I would loss due to the incorrect option.

3.14

1.436

I do non swear the functionality of banking services by utilizing the nomadic phone.

3.19

1.285

Table 4.3.3 Descriptive Analysis of Trust

Table 4.3.3 has show that the highest mean in trust is clients believe that connexion interruptions or gulf will present the hazards to their banking actions which is 4.49. It means clients feel that they will lose their money when utilizing mobile banking if all of a sudden disconnected. Besides, clients besides trust their accomplishments and believe that they will non take the incorrect options when utilizing the nomadic banking because the screen of nomadic phone is smaller and its average value is 2.99.

4.3.4 Descriptive Analysis of Convenient

Mean

Std. Deviation

Mobile banking had made my life more easy comparison with the traditional banking.

3.47

1.039

I think that Mobile banking system is a user friendly which help me a batch in making minutess such as transportation financess, make measures payment, look intoing the history balance and etc.

4.15

0.857

I was become less willing to see the traditional subdivisions and more receptive to the nomadic banking because Mobile banking offers 24 hours service.

2.76

1.084

I prefer to utilize the nomadic banking because it is free entree and faster.

3.08

1.107

I feel that the computer keyboard and show of the nomadic phone will non impact me when utilizing the nomadic banking.

3.05

1.258

Table 4.3.4 Descriptive Analysis of Convenient

Table 4.3.4 has show that the highest mean in the convenient is clients feel that Mobile banking system is user friendly which is 4.15. It means clients feel that Mobile banking system can assist them make a batch of dealing such as transportation fund, make measure payments and others. Besides, the lowest mean in convenient is clients become less willing to see the traditional braches which is 2.67. It means that clients has will go on to see the traditional subdivisions although it do non offer 24 hours services.

4.3.5 Descriptive Analysis of Save Time and Cost

Mean

Std. Deviation

I think that utilizing nomadic banking can assist me to salvage clip.

3.25

1.473

I am non preferred to see traditional banking to do dealing because I do non desire to line up for long clip.

4.49

0.559

I think that utilizing nomadic banking can non assist me to salvage cost because I need to buy the high-end / progress nomadic phone before I get the benefits of utilizing the nomadic banking.

2.97

1.389

I think that nomadic banking perceives expensive to the low income clients.

3.18

1.452

I think that nomadic banking is fast to utilize.

3.06

1.448

Table 4.3.5 Descriptive Analysis of Save Time and Cost

Table 4.3.5 has showed that the highest mean in save clip and cost is 4.49. It means clients feel that they are non preferred to see the traditional subdivisions to do the dealing because they do non desire to line up for long clip. Besides, clients who think that nomadic banking can non assist them salvage cost have the lowest mean which is 2.99. It mean that clients has think that utilizing nomadic banking can assist them to salvage cost although they need to buy the smart phone before they get the benefit.

4.3.6 Descriptive Analysis of Service and Service Quality

Mean

Std. Deviation

I think that utilizing the nomadic banking can better the life criterion and quality of life.

3.40

1.491

I can avoid over spend because I can look into the history balance anytime and anyplace.

4.45

0.500

I think that nomadic banking can give me greater control over my banking minutess.

2.94

1.399

I am willing to utilize nomadic banking and forfeit with the new engineering.

3.20

1.470

I can bask the benefits of utilizing the nomadic banking and forfeit with that services.

3.52

1.306

Table 4.3.6 Descriptive Analysis of Service and Service Quality

Table 4.3.6 has show that the highest mean in the service and service quality is clients can avoid over spend which obtained 4.49. It is because clients can look into the history balance anytime and anyplace. Besides, clients have thought that nomadic banking can give them greater control over the banking dealing has the lowest mean which obtained 2.94. It means that clients were besides over disbursement although they are able to look into the history balance by utilizing nomadic banking.

4.3.7 Descriptive Analysis of Perceived Ease to Use

Mean

Std. Deviation

I choose to utilize the nomadic banking because of its benefits.

3.33

1.231

I am non willing to alter the banking system because I am satisfied with the old banking experience.

3.87

1.212

I still prefer to utilize the familiar banking services.

3.02

1.128

I do non hold confident to utilize the Mobile banking services because I do non hold experience with this new engineering.

3.29

1.183

I can make the budgeting and following disbursement without waiting for monthly paper statement.

3.21

1.113

Table 4.3.7 Descriptive Analysis of Perceived Ease to Use

Table 4.3.7 has show that the highest mean in the sensed easiness to utilize is clients are non willing to alter their current banking system which has obtained 3.87. It is because they are satisfied with the old banking experience. Besides, clients has prefer to utilize the familiar banking services has the lowest mean which obtained 3.02. It means that clients might alter their current banking services in future.

4.3.8 Descriptive Analysis of Complexity

Mean

Std. Deviation

The complex design of the Bankss ‘ web page is do me hard to use their web page via manus phone.

4.29

0.946

I need more clip to accommodate the nomadic banking services because of the complex design.

3.14

1.189

I feel that nomadic banking is complex and it need better accomplishment and attempt needed for following and utilizing it.

3.31

1.228

My negative experience of utilizing nomadic banking services will diminish my usage purpose of nomadic banking.

3.64

1.059

I think that Mobile banking requires cognition and acquisition.

2.95

1.403

Table 4.3.8 Descriptive Analysis of Complexity

Table 4.3.8 has show that the highest mean in the complexness is the complex design of the bank ‘s web page is make clients experience hard to use via utilizing smart phone which obtained 4.29. It means clients do non prefer to the complex design. Besides, nomadic banking is requires cognition and acquisition has the lowest mean which obtained 2.95. It means that clients feel that utilizing nomadic banking is non requires cognition and acquisition.

4.3.9 Descriptive Analysis of Customers ‘ Adoption

Mean

Std. Deviation

I think that demographic will impact clients in utilizing nomadic banking.

3.31

1.398

I think that trust will impact me to utilize nomadic banking.

4.49

0.559

I feel that convenient might act upon me to utilize nomadic banking.

2.99

1.367

Save clip and cost will impact me in utilizing the nomadic banking service.

3.19

1.440

Because of the service and service quality of utilizing nomadic banking, so I am willing to utilize nomadic banking.

3.06

1.448

I think that perceived easiness to utilize will impact me to utilize nomadic banking.

3.24

1.485

The complexness of utilizing nomadic banking will impact me in taking to utilize the nomadic banking.

4.49

0.559

Table 4.3.9 Descriptive Analysis of Customers ‘ Adoption

Table 4.3.9 has showed that trust and complexness are most affect clients in taking and utilizing nomadic banking services. The average value that trust and complexness obtained is 4.49. Besides, service and service quality has the lowest mean which has obtained 3.06. It means clients have think that service and service quality would non much impact them in utilizing nomadic banking services.

4.4 Reliability Analysis

Dependability analysis is a technique to find the dependability of the graduated table with multiple points. Reliability was determined for the graduated table based on Cronbach ‘s coefficient alpha. Cronbach ‘s coefficient alpha is one of the most used dependability statistics to prove the dependability of each variable. In add-on, Cronbach ‘s alpha besides step that how closely a set of the points are as a group. When the Cronbach ‘s alpha has equaled or greater than 0.7, that means the variables are acceptable. Harmonizing to Sekaran ( 2003 ) , Cronbach ‘s alpha is computed in footings of mean intercorrelations among the points mensurating the construct. Furthermore, Sekaran ( 2003 ) besides has stated that the closer of the Cronbach ‘s alpha is to 1, the higher the internal consistence dependability. There are eight variables have been tested in dependability. Each independent variable has consisted of five inquiries. However, dependent variable has consisted seven inquiries.

Reliability Statistical

Cronbach ‘s Alpha

Independent Variables

Demographic

.902

Trust

.898

Convenient

.901

Save Time and Cost

.897

Servicess and service Quality

.889

Perceived Ease to Use

.896

Complexity

.900

Dependent Variable

Customers ‘ Percept

.778

Table 4.4.1 Reliability Analysis

From the tabular array 4.4.1, we can find that the Cronbach ‘s alpha of all dependent variable and independent variables which have being selected are higher than 0.7. It means that all the dependent variable and independent variables are acceptable. Independent variables of demographic, convenient and complexness have obtained really high Cronbach ‘s alpha mark which is 0.902, 0.901, and 0.900. Those can bespeak that the graduated table has really high internal consistence.

Besides, independent variables of trust, salvage clip and cost, services and service quality, and perceived easiness to utilize hold obtained good Cronbach ‘s alpha mark which is 0.898, 0.897, 0.889, and 0.896. In add-on, clients ‘ perceptual experience besides is accepted which has obtained 0.778.

4.5 Hypothesis Testing

4.5.1 Multiple Arrested development

Multiple arrested development is used to find the relationship between dependant variable and several possible of independent variables. Harmonizing to Jacob et Al ( 2003 ) , multiple arrested development are used to find the minimal set of the variables which informations have been collected. Gerard ( 2008 ) has defined that in theoretical account sum-up tabular array, R is stand foring the multiple correlativity coefficient that can find how strongly the independent variables are related to the dependant variable and R2 is demo the coefficient of the finding. Furthermore, adjusted R2 is to takes into history the sample size and the figure of independent variables. Adjusted R2 are ever being equal to or less than R2.

Model Summary

Model

Roentgen

R Square

Adjusted R Square

1

.993a

.986

.984

Forecasters: ( Constant ) , Demographic, Trust, Convenient, Save Time and Cost, Services and Service Quality, Perceived Ease to Use, Complexity

Table 4.5.1 Model Summary

Table 4.5.1 has shows that R is 0.993. Besides, it besides shows that R2 is 0.986. It means that the discrepancy in clients ‘ perceptual experience contributed by all the seven variables up to 98.6 % . Besides, the adjusted R2 is 0.984. It besides can find that those variables have histories for 98.4 % of discrepancy in the clients ‘ perceptual experience. In add-on, the standard mistake of the estimation is 0.10448.

ANOVA tabular array is show the overall significance on the research theoretical account. Harmonizing to Gerard ( 2008 ) , the theoretical account is known as arrested development and the mistake is known as residuary. In add-on, Gerard ( 2008 ) besides stated that the expression to cipher the mean square is the amount of squares divided by the corresponding grades of freedom. Harmonizing to David ( 1996 ) , it is significance when P & A ; lt ; 0.05, while any value which is greater than this will specify as non-significance effects. Besides, David ( 1996 ) besides stated that the F value is measuring of how different the agencies are comparative to variableness within the variables.

ANOVAb

Model

Sum of Squares

df

Mean Square

F

1

Arrested development

Residual

Entire

68.622

1.004

69.627

7

92

99

9.803

.011

898.037

Forecasters: ( Constant ) , Demographic, Trust, Convenient, Save Time and Cost, Services and Service Quality, Perceived Ease to Use, Complexity

Dependent Variable: Customers ‘ Percept

Table 4.5.2 ANOVA

As the tabular array 4.5.2 showed that the F ratio for this research theoretical account is 898.037. Besides, it besides shows that the significance value is 0.000, which is p & A ; lt ; 0.05 ; it means that there is a relationship between the dependant variable and independent variables. Therefore, we can reason that demographic, trust, convenient, save clip and cost, service and service quality, perceived easiness to utilize, and complexness have the relationship between affect the clients ‘ perceptual experience toward nomadic banking.

Coefficients is to prove the relationship between dependant variable and independent variables. Harmonizing to Roberta ( 2010 ) , if the significance degree ( p value ) is more than 0.05, it should accept void hypothesis ( H0 ) . However, if the significance degree is less than 0.05, it should reject void hypothesis ( Ha ) .

Coefficientsa

Unstandardized Coefficients

Standardized Coefficients

Model

Bacillus

Std. Mistake

Beta

T

1

( Constant )

.268

.086

3.112

Demographic

.207

.010

.269

20.201

Trust

.046

.012

.049

3.710

Convenient

.061

.020

.049

3.126

Save Time and Cost

.681

.012

.902

55.784

Service and Service Quality

-.040

.011

-.046

-3.469

Perceived Ease to Use

.072

.019

.060

3.747

Complexity

-.057

.019

-.048

-2.971

Dependent Variable: Customers ‘ Percept

Table 4.5.3 Coefficients

Table 4.5.3 has shows that all the independent variables are significance which is p & A ; lt ; 0.005. Therefore, we can find that all the independent variables have the relationship between the dependent variables. Table 4.5.3 has shows that demographic ( ?= 0.207 ) is significance ( p=0.000 ) . Therefore, the void hypothesis has been rejected. In others words, clients had feel that demographic will impact them in utilizing the nomadic banking. Harmonizing to Howcroft et Al. ( 2002 ) , the younger consumers have felt that utilizing nomadic banking is convenient. However, grownup consumers are nomadic banking is deficiency of communicating and it has conveying the inconvenient when they make the dealing.

From the tabular array 4.5.3, we can specify that trust ( ?=0.046 ) is significance ( p= 0.000 ) . Therefore, we can reason that void hypothesis has to be rejected. It shows that there is the relationship between clients ‘ perceptual experience and trust. Customers are disquieted that they will lose their money due to the disconnected or mistakes when they are utilizing nomadic banking ( Laukkanen et al 2007 ) . Besides, Luarn and Lin ( 2005 ) besides have stated that clients are really concern about the security and privateness issues.

In add-on, we besides can find that convenient ( ?= 0.061 ) is significance ( p= 0.002 ) . It means that there is a relationship between clients ‘ perceptual experience and convenient and we should rejected void hypothesis. Harmonizing to Karjaluoto ( 2002 ) , nomadic banking has offer a batch of services such as measure payment, do dealing, transportation fund and others and those services has make clients experience convenient when they want to carry on the banking activities.

Furthermore, save clip and cost besides has the relationship on the nomadic banking services. Save clip and cost ( ?= 0.681 ) is significance ( p= 0.000 ) and it should reject void hypothesis. Customers have felt that utilizing nomadic banking can assist them to salvage clip and cost. Harmonizing to Suoranta ( 2003 ) , one of the grounds that client willing to utilize nomadic banking service is because nomadic banking are related to clip and cost economy.

Service and service quality ( ?= -0.040 ) is significance ( p= 0.001 ) and it should reject void hypothesis. Therefore, we can province that clients ‘ perceptual experience has the relationship between service and service quality. Black et Al. ( 2001 ) has define that people will utilize nomadic banking is because the high quality of the services.

Furthermore, perceived easiness to utilize ( ?= 0.072 ) is significance ( p=0.000 ) . It shows that there is the relationship between clients ‘ perceptual experience and perceived easiness to utilize. So, we should reject void hypothesis. Harmonizing to Davis ( 1989 ) , clients have felt that nomadic banking is easy to utilize and clients can bask the benefits when utilizing the nomadic banking services.

Complexity ( ?= -0.057 ) is significance ( p= 0.004 ) and it shows that there is a relationship between clients ‘ perceptual experience and complexness. Therefore, we need to reject void hypothesis. Complexity can impact the clients ‘ perceptual experience toward nomadic banking ( Lee et al, 2003 ) . Complexity design of the Bankss ‘ web page will do clients hard to use their web site. Besides, complexness web page might diminish the clients ‘ satisfaction when utilizing the nomadic banking services.

4.6 Pearson Correlation Analysis

Pearson Correlation is usage to analyze the relationship between dependant variable and independent variable either in the same or rearward way. Harmonizing to Amit ( 2009 ) , when the significance value ( r value ) & A ; gt ; 0, it is indicate positive relationship. However, when R & A ; lt ; 0, it is indicate negative relationship.

4.6.1 Correlations between Customers ‘ Perception and Demographic

Correlations

Demographic

Demographic

Pearson Correlation

Sig. ( 2-tailed )

Nitrogen

1

100

Customers ‘ Percept

Pearson Correlation

Sig. ( 2-tailed )

Nitrogen

0.370**

0.000

100

** . Correlation is important at the 0.01 degree ( 2-tailed )

Table 4.6.1 Correlations between Customers ‘ Perception and Demographic

From table 4.6.1, the Pearson Correlation Analysis has shows the relationship between demographic and clients ‘ perceptual experience. It shows that the significance value ( p= 0.000 ) and Pearson Correlation value ( r= 0.370 ) . Given that P value is lower than 0.01, so it can reason that there is significance correlativity between clients ‘ perceptual experience and demographic. Besides, we besides can reason there is a moderate positive relationship between clients ‘ perceptual experience and demographic. It means that clients who have different demographic background will hold the different point of positions on Mobile banking services. So, we can reason that demographic can impact the clients ‘ perceptual experience toward nomadic banking.

4.6.2 Correlations between Customers ‘ Perception and Trust

Correlations

Trust

Trust

Pearson Correlation

Sig. ( 2-tailed )

Nitrogen

1

100

Customers ‘ Percept

Pearson Correlation

Sig. ( 2-tailed )

Nitrogen

0.201*

0.045

100

* . Correlation is important at the 0.05 degree ( 2-tailed )

Table 4.6.2 Correlations between Customers ‘ Perception and Trust

Table 4.6.2 has shows that the significance value ( p= 0.045 ) which is lower than 0.01 and Pearson Correlation value ( r= 0.201 ) . Therefore, it can reason that there is significance correlativity between clients ‘ perceptual experience and trust. Besides, we besides can reason there is a weak positive relationship between clients ‘ perceptual experience and trust. It means that when clients are confident and believe the map of the nomadic banking, they willing to utilize nomadic banking services.

4.6.3 Correlations between Customers ‘ Perception and Convenient

Correlations

Convenient

Convenient

Pearson Correlation

Sig. ( 2-tailed )

Nitrogen

1

100

Customers ‘ Percept

Pearson Correlation

Sig. ( 2-tailed )

Nitrogen

0.604**

0.000

100

** . Correlation is important at the 0.01 degree ( 2-tailed )

Table 4.6.3 Correlations between Customers ‘ Perception and Convenient

Table 4.6.3 has shows that the significance value ( p= 0.000 ) which is lower than 0.01 and Pearson Correlation value ( r= 0.604 ) . Therefore, it can reason that there is significance correlativity between clients ‘ perceptual experience and convenient. Besides, we besides can reason there is a strong positive relationship between clients ‘ perceptual experience and convenient. It means that when clients feel that utilizing nomadic banking is convenient, they will be willing to utilize this service.

4.6.4 Correlations between Customers ‘ Perception and Save Time and Cost

Correlations

Save Time and Cost

Save Time and Cost

Pearson Correlation

Sig. ( 2-tailed )

Nitrogen

1

100

Customers ‘ Percept

Pearson Correlation

Sig. ( 2-tailed )

Nitrogen

0.954**

0.000

100

** . Correlation is important at the 0.01 degree ( 2-tailed )

Table 4.6.4 Correlations between Customers ‘ Perception and Save Time and Cost

Table 4.6.4 is shows the correlativities between client ‘ perceptual experience and salvage clip and cost. From this tabular array, we can find that the significance value ( p= 0.000 ) which is lower than 0.01 and Pearson Correlation value ( r= 0.954 ) . Therefore, it can reason that there is significance correlativity between clients ‘ perceptual experience and salvage clip and cost. Besides, we besides can reason there is a strong positive relationship between clients ‘ perceptual experience and salvage clip and cost. It means that when clients feel that utilizing nomadic banking can assist them salvage clip and cost, they will be willing to utilize this service.

4.6.5 Correlations between Customers ‘ Perception and Service and Service Quality

Correlations

Service and Service Quality

Service and Service Quality

Pearson Correlation

Sig. ( 2-tailed )

Nitrogen

1

100

Customers ‘ Percept

Pearson Correlation

Sig. ( 2-tailed )

Nitrogen

0.257**

0.000

100

** . Correlation is important at the 0.01 degree ( 2-tailed )

Table 4.6.5 Correlations between Customers ‘ Perception and Service and Service Quality

Table 4.6.5 is shows the correlativities between clients ‘ perceptual experience and service and service quality. From this tabular array, we can find that the significance value ( p= 0.000 ) which is lower than 0.01 and Pearson Correlation value ( r= 0.257 ) . Therefore, it can reason that there is significance correlativity between clients ‘ perceptual experience and salvage clip and cost. Besides, we besides can reason there is a weak positive relationship between clients ‘ perceptual experience and service and service quality. It means that when clients feel that they can bask the service and service quality when utilizing nomadic banking, they will be willing to utilize this service.

4.6.6 Correlations between Customers ‘ Perception and Perceived Ease to Use

Correlations

Perceived Ease to Use

Perceived Ease to Use

Pearson Correlation

Sig. ( 2-tailed )

Nitrogen

1

100

Customers ‘ Percept

Pearson Correlation

Sig. ( 2-tailed )

Nitrogen

0.165

0.000

100

Table 4.6.6 Correlations between Customers ‘ Perception and Perceived Ease to Use

Table 4.6.6 is shows the correlativities between clients ‘ perceptual experience and service and service quality. From this tabular array, we can find that the significance value ( p= 0.000 ) which is lower than 0.01 and Pearson Correlation value ( r= 0.165 ) . Therefore, it can reason that there is significance correlativity between clients ‘ perceptual experience and perceived easiness to utilize. Besides, we besides can reason there is a weak positive relationship between clients ‘ perceptual experience and perceived easiness to utilize. It means that when clients feel that they can bask the benefits when utilizing nomadic banking, they will be willing to utilize this service.

4.6.7 Correlations between Customers ‘ Perception and Complexity

Correlations

Complexity

Complexity

Pearson Correlation

Sig. ( 2-tailed )

Nitrogen

1

100

Customers ‘ Percept

Pearson Correlation

Sig. ( 2-tailed )

Nitrogen

0.232*

0.020

100

* . Correlation is important at the 0.05 degree ( 2-tailed )

Table 4.6.7 Correlations between Customers ‘ Perception and Complexity

Table 4.6.7 is shows the correlativities between clients ‘ perceptual experience and complexness. From this tabular array, we can find that the significance value ( p= 0.020 ) which is lower than 0.05 and Pearson Correlation value ( r= 0.232 ) . Therefore, it can reason that there is significance correlativity between clients ‘ perceptual experience and complexness. Besides, we besides can reason there is a weak positive relationship between clients ‘ perceptual experience and complexness. It means that when clients feel that nomadic banking is hard to utilize due to the complexness of the design on the Bankss ‘ web page, they will non willing to utilize this service.