Bøger af Jayaraman Munusamy

The study on Banking Channel Innovation was conducted in Klang Valley in Malaysia. It investigates the impact of demographic characteristics on the adoption of retail internet banking among consumers in the commercial banking sector. The study adopted a quantitaive approach using survey questionnaire to collect data from respondents at the variuos banking outlets in Klang Valley. The results indicated that age and income levels exhibited significant relationship with adoption of retail internet banking. Whereas, gender, race, education and ocupation did not affect the adoption of retail internet banking in the Malaysian context. The result shows that younger consumers favor new banking channel. Therefore, bankers should promote internet banking among younger generation and also educate older consumers that adoption of internet banking is free from risk.

The study is focused on the transformation of service channels in retail banking among consumers in Klang Valley. It investigated whether the consumer behavioural factors such as easier to operate,convenient to use, no hassle, reliability, safer to use and good connections varies between adopters and non-adopters of retail internet banking. The results indicated that there are significant differences between internet banking adopters and non-adopters in terms of easier to operate, convenient to use, no hassle, reliability, safer to use and good connections. Therefore, the results support the findings of the previous research works conducted in other cultures. The results suggest several implications for retail bankers in Malaysia to minimize the risk perception of the internet banking among the non-adopters of the internet banking through greater awareness and education process.The commercial banks in Malaysia can expect substantial cost savings from maintaining their large physical distribution systems by promoting retail internet banking services on a bigger scale.

This study is about students'' attitude towards advertising in higher education institutions in Malaysia. It investigated the seven belief factors namely the Product Information, Hedonic Effect, Consumer Benefit, Consumer Manipulation, Values Corruption,Good for Economy and Economic Role that impacted students'' attitude towards advertising. The findings suggest that students'' attitude towards advertising is favorable. The Product Information, Consumer Benefit, Hedonic Effect, Good for Economy and Economic Role have significant correlation with students'' attitude towards advertising. The results have shed some lights for advertising managers and organizations so as to design successful advertising messages in order to create effective results for achieving competitive advantages.It is important for advertising managers to maintain proper focus on the appropriate attitude of Malaysian students about advertising. While focusing more efforts on building the message that is inclined to favourable belief, they will also need to watch out the unfavourable factors that may lead to negative attitude towards their advertisements.