Introduction

Today’s technology can be considered sophisticated. Infrastructure provide advancement in technology and technology can make our life easier. With good infrastructure, a country can provide fast internet for communication which will affect the population in a good way. Fast internet can help in many aspects. For example, in education school can make an online portal for the students so they are able to find information about the school, online enrollment, online class, etc. In business section, online transaction is very beneficial. Online transaction is fast, very convenient, and can be done anywhere with internet connection. Business can get their money just in a blink of an eye from their customers. Nowadays, online banking already popular and adopted in most of big banks around the world. Their common services are include balance inquiries, transfer funds, ordering check, requesting credit card advances and bill payment.

Despite the advantages of online banking, the implementation of this new banking system is not as high as analyzer expected. In western countries like United Kingdom and Brazil, the growth of adoption of online banking is showing positive progress but yet we still cannot conclude this research since there are many mixed result in different regions. Specifically in Malaysia, the implementation of online banking I relatively low in 2006.