An Examination of IndividualâÂÂs Perceived Security andPrivacy of the Internet in Malaysia and the Influence ofThis on Their Intention to Use E-Commerce: Using AnExtension of the Technology Acceptance Model
Bibliographic record
Abstract
This study explores the impact of perceived security and privacy on the intention to use Internet banking. An extended version of the technology acceptance model (TAM) is used to examine the above perception. A survey was distributed, the 187 responses mainly from the urban cities in Malaysia, have generally agreed that security and privacy are still the main concerns while using Internet banking. The research model explains over half of the variance of the intention to use Internet banking [R2 = 0.532 (adjusted)], the unexplained 47 percent of variance suggests that the model may have excluded other possible factors influencing the acceptance of Internet banking. Interaction in the local language (Bahasa Malaysia) did not have an impact on the ease of use of Internet banking. Internet security, Internet banking regulations and customers’ privacy would remain future challenges of Internet banking acceptance. The value of this study may provide an updated literature in the field of Internet banking acceptance in Malaysia.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.002 | 0.005 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.001 | 0.001 |
| Science and technology studies | 0.000 | 0.001 |
| Scholarly communication | 0.001 | 0.001 |
| Open science | 0.000 | 0.001 |
| Research integrity | 0.000 | 0.001 |
| Insufficient payload (model declined to judge) | 0.002 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".