Women and Equality: Current Reality or Distant Future?

Given that women now hold jobs which conventionally have not been associated with their gender, some may think that the plight to attain equality in terms of opportunities has succeeded. People sometimes accept such notion unconditionally as if gender bias has been eliminated. However, such thoughts would definitely be ideal examples of a form of fallacy: hasty generalization. In reality, such notions could not be any farther from the truth. In pursuits as simple as sports for example, women still suffer from the bias; highlighting women basketball players as evidence, their paychecks are only a meager fraction if compared to their male counterparts (Person, 2009). Furthermore, the opportunities of women in athletic pursuits are still crippled due to the presence of stereotypes. Profitability remains to be a question in forming women sports leagues or teams as businessmen still believe that men's sports would garner the most beneficial public response and attention (Person, 2009). With such examples, it is irrefutable that equality is still yet to be reached. If modern-day America still cannot be referred to as an example of a society where in men and women have equal opportunities, when would such a time come? When the time comes that headlines about women holding jobs as a minority would no longer be existent then equal opportunity among genders might have been achieved. Some may claim that such a scenario would never materialize as women are not inclined toward certain tasks. In rebuttal, is it not true that such inclinations or tendencies manifest only due to biases, stereotypes, and gender roles? It is quite interesting to think that equality may only be possibly attained if such concerns are first eliminated. Naturally, obstacles such as gender marking and administrative representation, all present in sports as well (Person, 2009), should be effectively tackled. Nonetheless, when gender distribution among jobs no longer become an issue or when a meager number of women holding high profile responsibilities no longer make headlines as aforesaid, then equality of opportunity must have been realized.

themes of the book eaters of the dead essays

themes of the book eaters of the dead essays My book is titled Eaters of the Dead by Michael Crichton. There are two major themes to this book. First is man versus man and the second is man versus nature. The nature that man is going up against in this book were the supernatural monsters that terrorized the town. Through most of the second half of this book the northmen are fighting the monsters or preparing to. This is the main struggle of the book. These monsters are the eaters of the dead. The second struggle of this book is man versus man. This man versus man struggle is an internal struggle between the tribe. It is a struggle for power within the tribe. This occurs at the beginning of the book. Two men of the tribe are struggling for power after the leader has died. Those were the two main themes of the book. The main conflict in this book is the men fighting the monsters. Throughout most of the novel the men are fighting these monsters. The monsters had killed many people in the village and kept returning to kill some more. These monsters were the main problem within the town and the villagers had to kill them. This conflict was finally resolved when the men killed off the rest of the monsters. The main character in this book was Ibn Fadlan. He is the only character in this book that you really get to learn a lot about. At first he seems like he he is a stuck up Arab rich man. He criticizes the northmen and doesnt go along with their rituals. He basically doesnt give them any respect at all. Then he starts to change though. After being with the northmen for awhile he starts to become like them. He acts like them, and he takes part in some of their rituals. A symbol in this book was the huge sword that the leader of the tribe uses. It was a huge sword and it symbolized strength and leadership. It was a huge sword so it would take a very strong person to use it. It showed you who ...

Why Your Job Board Applications Aren’t Working

Why Your Job Board Applications Aren’t Working Are you a talented professional with amazing accomplishments, but who is getting nowhere applying for jobs through job boards?   If so, you are not alone, and you are fighting an uphill battle.   The fact is, job seekers get only a 1-3% response rate from the major job boards.   That means you might have to send out 100 resumes to get just one response! There is a trick to getting a higher response from the job boards, which I talk about in detail in How to Write a Resume that Beats the Computers.You also need some other strategies. There are plenty of jobs out there that are not posted on job boards, and that even your networking contacts dont know about. The company itself might not even know they want someone like you until you show up!  Ã‚   Mary Elizabeth Bradford, who won a Career Innovator Award at the 2011 Career Directors International conference, has packaged a Job Search Success System that will help you present yourself powerfully to find those hidden jobs. The basic premise of Mary Elizabeth’s system if that you need strategies to connect directly with companies.   You cut out the â€Å"middle man† (recruiters, HR, job boards, etc.). Most companies go through  at least five steps to fill a position  before they will post the position to a major job board. They get on the phone to a few trusted colleagues. They look to see if anyone internal is qualified to be promoted. They alert their staff to refer someone they might know. They launch an intimate campaign to try to fill the position waaaay before the general public is notified. And if after a few weeks, the position is still not filled, perhaps they contact a related association to post the job on their â€Å"Members Only job† or they contract a recruiter.   Job boards are a last resort. Can you break through to the Hidden Market? Mary Elizabeth emphasizes, â€Å"ANYONE (and I mean even if you are right out of college) can enjoy the benefits of the hidden job market. These jobs are available on all levels and in virtually all industries.   The trick is to hone your focus so you actually achieve the results you want.† What are the advantages to you of connecting to the hidden job market?   You get more job opportunities, more market leverage, less competition, a shorter interview process and bigger offers.   You still might want to send resumes out via the internet as part of your strategy; but why would you focus there exclusively when you can have so much more control over your next career move?! You might be wondering precisely how to tap into the unadvertised job market. There are three strategies recommended by the Job Search Success System that help you focus on and find great jobs that will never see a major job board. Tip #1: Have a plan Launch a proactive job search. Know precisely what you are looking for, then reach out to get it. Know your primary target market(s), primary positions sought, geographic parameters, and timeline. Tip #2: Pick three main job search strategies for tapping into your market Here are two examples of techniques you can utilize: Offer your skills to growing or changing companies: Companies that are expanding, merging, acquiring other companies, rolling out new products or services, or moving are likely to be seeking new employees to help them with their transition. Make direct company contact: Contacting a company directly is a great way to take leadership and control over your job search. Are you interested in looking at the higher education market in your state or the top organic food manufacturers in the US? Or maybe the fastest growing healthcare oriented businesses in your city? All of these â€Å"lists† are accessible to you and allow you to tap right into your market of focus. Tip #3: Manage your job search like a marketing campaign Make a simple plan to move forward. Pick the hours and days each week that you plan to invest in your next career move. Block out those times and stick to them! Honor your commitment to your job search just like you would honor your commitment to your present employer to show up on time each day. During your job search, keep things simple and focus on your actions, not their immediate results! This way you can celebrate your initial â€Å"successes†    the completions of your daily and weekly goals. The results will unfold elegantly and abundantly and you will enjoy the satisfaction of success whether you are investing in marketing yourself or basking in the warm glow of landing your third or fourth interview! How are job boards sounding now?   If you are ready to try a new strategy, I highly encourage you to look into Mary Elizabeth’s award-winning Job Search Success System. And please report your success to both Mary Elizabeth and me.   I love success stories and look forward to hearing yours! Category:Job SearchBy Brenda BernsteinNovember 14, 2011 1 Comment William Dufour says: May 10, 2017 at 8:14 am Thanks for the information. Log in to Reply

Information Systems and Technologies Essay Example | Topics and Well Written Essays - 2000 words

Information Systems and Technologies - Essay Example Information systems are usually confused by management information systems. However, MIS strictly refers to the management of information systems whereas information systems include systems that include decision making as well. In today's every growing fast paced world, information is termed valuable more then any other tangible asset. The reason is that information systems have slowly and gradually taken over the decision making responsibilities from human beings. In this 'Information Age', these systems have become the basis of conducting efficient business. In today's world, the environment changes every other day. With the changes taking place everyday, it is a requirement for the companies to continuously collect and manage information so that they may be better informed then their competitors. This will lead to the development of a viable advantage that will help organizations in better decision making. Gaining competitive advantage over competitors and rival companies is one of the major strategies that can help companies excel in the long run. The question arises that if the application of IT really provides a competitive edge to organizations. Answers to this question have been discussed and explored over many decades and it will be explored for the many years to come due to the ever-changing and evolving economic conditions of the world and transformation of industries. Due to these explorations, we have found out that usage of information technology effectively in organizations can create legendary results. Examples include the American Airlines Sabre System for traveling reservations, the FedEx's suite of tracking shipments and packages and Amazon.com's approach to internet based retailing. All the above mentioned examples have put forward the idea that information technology can help serve as a competitive advantage if it is used to leverage operational and organizational activities and support the collection of critical data at the right time. COMPETITIVE ADVANTAGE IN HEALTHCARE ORGANIZATIONS Information Technology soft wares and systems are tremendously used in today's health care organizations to manage the extensive amount of data and analyzing it critically to help benefit the patients, staff, doctors and the overall organization. The basic idea is not applying the system; however, competitive advantage is gained depending on three factors. These factors are how the system is implemented, whether the implementation done was cheaper or not then the competitors and the strengths of the organization's technical and IT staff. Effective implementation of IT in an organization can make the programs used in the organization faster, less prone to error and convenient. For example, accounts receivable applications have made the collection A/R processes faster, economical and less expensive. To improve organizational performance the right kind of information system must be implemented. The leverage of the processes is the most effective when the process on which the technology is applied are core processes that customers usually use to gauge the performance of an organization. For

Rise of fascism and communism Essay Example | Topics and Well Written Essays - 1000 words

Rise of fascism and communism - Essay Example In many different ways, fascism and communism possessed quite a number of contradicting principles, but at long last they became authoritative political frameworks that were controlled by one person in charge (Merriman, 2010, Pg. 56). Communism was concerned with ensuring that there is equality in the economy, fascism is concerned with the magnificence of the nation and the power that depicted through conquest and violent behavior. Both political systems begun from Europe and gradually but steadily became popular during the early times of the 20th century. The countries that witnessed fascism were: Italy during the reign of Mussolini, Germany under the leadership of Hitler, Hungary between the years 1944 – 1945, Spain under the leadership of Franco and Romania between the year 1940 -1941 under the leadership of the Iron Guard. The start of this century witnessed a different form of the political environment in the nations of the West. The past century, the 19th century, had wi tnessed the industrial uprising substitute farming. This change was accompanied by dynamic changes in political, social, and shifts in the demography. People who were concentrated in rural areas seriously busy with agriculture whereby they grew crops and reared animals changed their lifestyles and migrated to urban centers and towns. In the urban centers, they got employment in the industries and factories. The industrial movement generated a lot of capital and consequently propagated cultural alienation and divisions among community members in regard to wealth. Some of the revolutions aiming at better living standards and improved working environments were witnessed in many countries. Many of these revolutions were initiated by leaders who pursued deep-seated visions on what the community should be (Merriman, John M, 2010, Pg. 45). In the year 1930, when fascism and communism arose in the Western countries, and the spreading out of the empires of Italy and Germany and the extension of the empire of Japan in Asia show the United States of America shift from isolationism policy to support local partners and protect democracy. The United States of America openly got involved in World War 2 immediately after Japan attacked the harbor of Pearl. The fascism of Europe, which started when Germany turned to Hitler who was an extremist, turned to be more powerful in the 1930s under the leadership of Benito Mussolini. Mussolini had the capability and ability to unite the country with a vision of gaining their territories they had lost. Communism had commenced rising during the time of Joseph Stalin when he succeeded the Soviet Communist. In the year 1939, under the governance of Joseph Stalin, the union of Soviet and Germany signed a deal of aggression. From this time, Germany did not fear of fighting. Communism and fascism were portrayed as a system of governance that was posing threats to democracy. Later on, Italy, Germany collaborated with Japan to form an alliance (Merriman, 2010, Pg. 63). Their empire was greatly expanded by the year 1941. Germany had attacked Poland and the same time Italy conquered Sudan, Egypt and the entire North of Africa. Japan succeeded in her conquest and expanded its territory into China. This revolution did not only create threats to democracy but also countries like Holland, United States of America, France and Britain were also threatened. At this particular point, the involvement of the United States

What has happened in Great Britains economy over the last two years Essay

What has happened in Great Britains economy over the last two years - Essay Example The ability of the British Government and Bank of England to manage the British economy can be closely monitored by carefully observing and analyzing the historical trend of UK’s unemployment rate, gross domestic product (GDP), balance of payment, and price stability. Between 2011 and 2012, the unemployment rate in UK remains as high as 8.02% and 8.13% respectively (Statista, 2013a). The fact that the unemployment rate in this country has increased by 0.11% is already a sign that the economy of UK has not really been good after all. (See Appendix I – Historical Trend: Unemployment Rate in UK on page 13) produced within a country in a given period of time† (Mankiw, 2012, p. 494). It means that UK’s yearly GDP can be used to closely monitor the actual economic activities that had taken place in this country (Office for National Statistics, 2013a). Based on the current market prices, GDP in UK has somehow been showing a flat trend between the 1st and 2nd quarter of 2011 and the 3rd quarter of 2011 to the 2nd quarter of 2012. During the 4th quarter of 2012, the GDP of UK has declined by 0.3% as compared to the previous quarter (Bank of England, 2013; Office for National Statistics, 2013b). Basically, the sudden decrease in domestic demand, the presence of the Olympic and Paralympic Games, and the sudden reduction of the North Sea oil output explains why the GDP fell by 0.3% during the last quarter of 2012 (Bank of England, 2013; Office for National Statistics, 2013b). (See Appendix II – Historical Trend: GDP on page 14) Balance of payment provides the â€Å"summary of transactions between domestic and foreign residents for a specific country over a specified period of time† (Madura, 2010, p. 27). It means that the balance of payments would show the summary of import and export of goods and services including the financial transfers between UK and other countries (Sloman, 2004, pp. 516 –

Advantages of E-banking

Advantages of E-banking Chapter 1: Introduction Introduction Nowadays, Malaysia is a multi sector economy and technology development based on the presence of many technological inventions. Traditional banking act as physical bank and delivery channel which to give customers to place or get their money out of the bank safety deposit boxes, managing checking or current accounts, paying cheques drawn by customers. However, e-banking is one of the technological inventions that give conveniences to customers to manage financial transactions on a secure website performed by retail or virtual bank, credit union or building society. E-banking is also called electronic banking which is the automated delivery of new banking services and products directly to customers through electronic, interactive communication channels. It brings many benefits and capabilities to customer compared to traditional banking. E-banking is fast and convenient way of using computer to easy access to the bank in 24hours. E-banking utilizes the internet system as the delivery channel by which to accomplish banking activity, for example, paying bills, transferring funds, viewing checking and savings account balances, paying mortgages and purchasing financial instruments and certificates of deposits (Haque et al, 2009). Internet banking enable customers to access their general information and accounts of bank products and services through PC or other intelligent device using web browser software on 24 hours a day and 7days a week, such as Netscape Navigator or Microsoft internet explorer (Mohamad, Hanudin, Suddin, Noren, 2007). The development in information technology have had an tremendous effect in development of more flexible payment methods and more user-friendly banking services in the world of banking (Serkan, Safak, Eda, 2004). There are some features that fall into several categories of internet banking which are transactional, non-transactional, financial institution administration, support of multiple users having varying levels of authority, transaction approval process and wire transfer. In transactional, e-banking act as account and financial transactions, pay bills, wire transfer and apply for loan or new account, investment purchase or sale and others. Electronic Bill Presentment and Payment (EBPP) is an electronic billing which customer can pay bill and receives payment easily, faster, and conveniently over anywhere and any times. Customer perception is interpretation of sensory mind and experienced by customer. The convenience of e-banking are attracted customers and provided no cost charged to customers. Customers have started accepting this internet service and assessing the banks based on their easy to access and convenience. With great confidence toward e-banking, customers are willing uses the internet banking to transfer fund, pay bills, and lot more with a excellent-secured system. It also can establish the relationship between trust and loyalty of customer toward e-banking. Internet banking in USA and Europe The dramatic growth in internet usage has generated a segment of customers with the ability and desire to conduct banking transactions completely online (Mathew and George, 2003). The internet explosion in the late-1990s brings people more convenience with various applications over the web. In the mid-1990s, customers using internet as monetary business transaction over the web as the financial institutions had implemented e-banking. The majority of US-based banks are escalating their investment in technology and hedging their bets while research specifies that a substantial portion of the customer base may always demand the type of personal interaction that can only be provided by individual branch personnel (Alstad, 2002). TowerGroups prediction is highlighted by CRMToday on IT spending by large banks in USA, which the amounts is 24.1 billion in 2004 as compare to 22 billion in 2002. Besides that, many US banks, such as Bank of America and Umpqua Bank are lending from social media channels, offering social networking, pod casting, web casts and other interactive tools. Now competitors can establish an internet bank for as little as $6 million in the USA compared to the cost of setting up a traditional brick and mortar bank (estimated at between $25 and $30 million) (Nathan, 1999). CRMToday (2003a) also stated that without major consumers adoption internet banking would not achieve as profitable as promise although there are increasing in amounts of online banking customers. According to the European Central Bank in 2002 (centeno, 2003), the level of services and its quality differ according to the country and the banks even though all main banks provide internet banking services. Bughin, 2001 investigated that the adoption rate is examined to be averaging only 17% of internet users or less than 6% of total bank customers. The author also stated that there are 60% internet customers do not have subject in buying books, CDs or low valued item through online but are reluctant to create online banking transactions. Furthermore, there are differences of internet banking adoption also existed among some countries in Europe. Around 18-25% of populations in Estonia are utilizing internet banking services whereas Italian bank had about no on-line customers by early 2000, banks in Malta initiated internet banking services in December 2002 (Centeno, 2003). Furthermore, there are differences of adoption among banks within the same country. Bughin (2001) stated an example, a leading banks in France have diffusion rate over 11% while minor bank such as the credit commercial de France have translated only 2% of its customers to online for the same period. Internet banking in Turkey In Turkey, there are over 18% of banking customers using e-banking actively (Jamaluddin, Osman, Sukru and Kemal, 2008). Since 1997 internet banking has been recognized as a feasible alternative distribution channel by Turkish commercial banks due to the deregulation in the financial sector, escalation of computer literacy, the rapid diffusion of electronic commerce, strong commitments to reduce operating costs, changing customer demands for innovative financial products and services and create customer convenience (Hakan, 2008). Due to the low cost of attracting customer to utilize internet banking and retaining existing innovation-demanding customers during the past two decades, most of Turkish commercial banks found it irresistible to invest large amounts in online banking although the customer take up of internet banking appeared to be very slow. In addition, the actual number of utilizing e-banking users appeared to be between 1 and 1.2 million (30%) in 2003 although 2million people (50%) were forecasted to utilize e-banking by 2003 (Akinci, 2004; Celik, 2002; Ozkan, 2003). Furthermore, in turkey the numbers of active internet banking accounts are escalating from 150,000 in 2000 to 5.5 million in 2007 and grew annually by 68 percent (Higgs, 2000). In comparison, although this illustrates that internet banking has experienced strong and sustained growth since its inception, Turkey has a lower internet banking penetration rate than that of many European countries. The research on internet banking by individual customers in the country has been required to improve customers understanding of how their particular beliefs or motives affect their utilization of the services. Internet Banking In Australia Internet banking growth continued rapidly in Australia with a 26 % increase in the internet banking customer population to 5.5 million users (approximately 34% of the adult population) going on over the 12 months to May 2005 (ACNielsen, 2005). The report stated there are over 7.2 million consumers accessed 27 millions accounts in 2003 which is an increase of 31% compared to 16.2% in 2002 (MISC, 2004). The report showed that users are more efficient in utilizing Internet banking services and transacting more amounts utilizing fewer sessions. Furthermore, internet banking services are increasingly attracted among users women and 50+ years age group is the highest growing in all category. There are 54% of Australian adults were utilizing telephone banking and an estimated 25% of employed internet banking after a period of strong electronic banking market development between 1997 and 2002. Small and medium banks in USA provide more user-friendly services than larger banks and achieved well in the area of personal internet banking, and website reliability and transactional capabilities while larger banks in Australia offer more variety services than smaller banks. Nevertheless, small and medium sized banks in Australia have found to provide more user-friendly services than larger banks and are successful in offering personal banking services. Internet Banking In Malaysia Since achieving independence in the 1957 banking activities in Malaysia has changed enormously with appearances of new technology application. In the 1980, the first Automated teller Machines (ATMs) was introduced which was be the most visible piece of evidence of the emerging electronic banking in Malaysia. ATM is a computerized telecommunications device that used for transfer funds between checking, balance enquiry, cash withdrawal, savings and credit card accounts, bill payments, making cash and check deposits and making payments to application for initial public offerings in Kuala Lumpur Stock Exchange. This technology brought the revolution were longer banking hours which unlimited beyond office hours (BNM Annual Reports, 1985-1997). Apart from this, the next changes in this evolutionary process will be the telebanking and PC-banking in the 1990s. In the early 1990 telebanking was introduced in Malaysia as delivery channel for branch financial services via telecommunications devices connected to an automated system of the bank where customers can perform retail banking transactions through using Automated Voice Response (AVR) technology. The functions of telebanking are almost similar to the ATM services except withdrawal and deposit of cash. Telebanking brings convenience, extended access and significant time saving to the customers. The insufficiency of cash withdrawal function in telebanking leads to the poor customer response to telebanking. In the 1990s, ten local commercial banks are offering PC-banking or home banking services. PC-banking is an online banking device which customer can utilize their computers in anywhere anytime for account transactions by subscribing and dialing into the banks intranet proprietary software system. PC-banking can raise speed, decrease cost and enhance flexibility of business transactions which is more suitable among corporate customers. In the half of 1990, the number of customer that utilizes this service still small. This is because they faced some problems, such as risk in transacting on the internet, lack of trust and loyalty of customer and poor of product and service quality. In this table indicates that frequency of familiarity and usage of using ATM is the highest and PC-banking is the lowest percentage. ATM can attracted all of banking customer to use this service because it really brings convenience to the customer since it can save time, reduce difficulty, and enhance flexibility of business transaction to customers. There are 80% that not using telebanking because this service cant provide any cash withdrawal function. However, PC-banking also faced lack of attraction from banking customers due to the new banking service that introduced to this country, which most of customer still unable to accept this new internet service. When customer utilize PC-banking, they may face some problems, such as risk in transacting on the internet, lack of trust and loyalty of customer and product and service quality. Furthermore, e-banking in Malaysia is become increasingly popular on developments in information technology and telecommunications. In Malaysia internet banking service (IBS) was established in six years ago (The Star, 2005). IBS is a convenience and new physical banking service which is to attain more potential customers as it allows bankers to deliver banking services to a wider segment of customers through electronic and interactive communication channels (Goi, 2005), with 12 domestic banks offering IBS to 4.5million subscribers currently (Bank Negara Malaysia, 2007). So surprisingly internet banking has become one of the popular services with 51 percent out of 8,000 of total respondents once a month. In the beginning, there are 5 Malaysia banks have invested millions of ringgit in online banking but these banks are still functioning as dial up intranet facilities. The online service is still unavailable for customers because of the insufficiency of legal framework and security concerns. The investment may be wasted due to the deficiency of important business understanding to support customer adoption if a bank introduces Internet Banking Services without a clear understanding of factors influencing customer adoption (Goi, 2005; Pires and Aisbett, 2002). In table 1 it illustrates the demographic characteristics of the internet bank users and the non-internet bank users among the sample respondents was analyzed. Mean monthly income is the only significant difference appears which it assumed that the internet bank user monthly income is highly than non-internet bank user. It also shows that there is no significant difference between the mean age of the internet bank users and the non-internet bank users. These two groups are equal in percentage of graduates and undergraduates in which both of the groups are nearly about 85%. Background of study The purpose of this research is to identify and evaluate the consumers perception toward e-banking. Consumer perception is important to bankers because of that banker can only understand and determine what customer actually wants to and how e-banking service shall satisfy them. There are some variables will be discussed which are affecting the growth of e-banking in Malaysia. From the customers perspective, internet banking assists a convenient and effective approach to control personal finances without visiting the bank and from any locations, as it is accessible 24 hours a day and 365 days in a year (Rotchanakitumunai and Speece, 2003). Through this report we will discuss about different countries have different customers perception about e-banking. This research also studies whether service or service quality will influences the trust and willingness of customer for using e-banking. Besides that, we also explore the factors which are taken to assess customer perception toward various application of internet banking. The factors that will be assessed are convenience of account transaction, flexibility, reliability, save time and cost. Internet banking is convenient, no geographical barriers, low cost and isnt bound by operational timings (IAMAIs, 2006). More than 50% of total respondents agreed that e-banking is convenient and flexible ways of banking and it also have a variety of transaction related advantages (Divya and Padhmanabhan, 2008). The purposes of internet banking consist of customer convenience through personalized service, cost containment through decline in operating cost, revenue expansion through better quality and additional non-financial services, and performance enhancement by making the service from any location (Bradley Stewart, 2002; Chau Lai, 2003; Frust et al., 2000; Suganthi Balachandran, 2001). How saving of cost and time affect the p erception of customer toward e-banking are also analyzed. So this research main purpose is to examine the variables of the actual perception of customer toward e-banking. Problem statement This research explores and examines some topics which are important elements that help in consumers perception toward e-banking. Banker should understand the need of customer so that they can improve the insufficient of the services. Banker should find out the way to attract more customers to utilize their services. In line with global trends, most customers are not focusing on this internet application. So, we need to solve this problem regarding the importance of the e-banking among customer in the local area. Customer should learn to use internet banking which can bring conveniences without going to the bank. Then customers will obtain satisfaction with the system when it provides them maximum convenience while bank transaction is occurred. The convenience of internet banking is contributing to changing patterns in cash withdrawal and day to day money management and assisting people gain greater control of their finances (Beer, 2006). On the other hand, there are few factors that lead to this problem occurrence. Firstly, not many people start to use e-banking because they still not trust on the system through internet. They will worry and always have a doubt about whether their money is safe. In addition there are few cases of fraud have been reported in online banking. The hacker wills forgery information by entering person information without the owner knowing and takes out his/her money. Secondly, there are lacks of social contact because internet banking dont have any assistance will be served to customer. It will create difficulty to the customer since in the bank there will be banker which will helps and assists customer needs. They will easily give up since there are many lack of skill problems occurred when utilizing the systems. Besides that, it is difficult to do survey since there are a lot of public are faced limitation of time, because it may take times to explain to the public. Research objective To identify what influence consumers perception toward e-banking To determine the factors that affecting consumer perception toward e-banking To find out how service quality influences internet banking user To identify the reason why customer use internet banking To solve the problem customer face toward internet banking To increase the knowledge of customer toward internet banking To improve the insufficient of the internet banking services To enhance the loyalty and trust between consumer and e-banking Significance of study This research is contributed to give customers to better understand about e-banking. There are many features and characteristics of the e-banking that many people still no realize about it. Through this research, we will interview a numeral of people and will explain about internet banking to give consumer to better understand the services that already provided to help them to ease their life. For example, CIMB offers CIMB Bank AirAsia Savers Account, a paperless account which customer will directly enjoy the convenience of viewing their account statement online without require a passbook (AirAsia Berhad, 2007-2010). Such a good service provided by bank, customer wont know about it if they no utilize internet banking. This study has combined varieties of factors from past research to study consumers perception toward e-banking. Both practitioners and academics can obtain the advantages by to better understand the consumers perception in the value of internet banking services. Furthermore, they can also identify the deficiency of the service in e-banking through this research so that the service would be improved to match customers requirement. Hence, customer can properly understand and adapt the problem that they face as necessary. In Malaysia, Maybank has become the first bank to introduce internet banking services (Maybank2u.com) and an combined web-based cash management portal on June 1, 2000. The online banking services will allow customer to perform bill payment, banking enquiry functions, funds transfer, credit card payment and accounts summary as well as transaction history (Suganthi, Balachandher and Balachandran, 2001). However, the influence of consumers acceptance e-banking in Malaysia seems more challenging because of the deficiency of information and academic in e-banking. Scope of study The scope of study is only concentrate about consumer area and perception toward e-banking. In this study, the research will be focus on MMU student, CIMB banking users and businessman that will regularly using banking service. The reason that we choose MMU student is because MMU student will often using online banking systems to pay tuition fees, transfer fund to their friends, check for their transaction account anywhere anytime. Apart from this they can teach their parent to use these services since it is very convenience and saving time, especially to those parent that very busy with their work. Besides that, we also focus on CIMB bank users which they can provide some information through interviews or questionnaires. Then, we will determine how depth the respondents understand about internet banking and what their comment regarding e-banking. Through this research we will resolve the inadequate and insufficient of service of internet banking. In addition to this, for sure business man they want to utilize something that very fast, time-saving, and can assist to their business. They can conduct most of their business on the internet and make transactions between their businesses without going to the bank. It can guarantee service quality for users conducting business transactions while utilizing IT applications and infrastructure. Through this research we can ask for some suggestion or any dissatisfied regarding internet banking from different view of business man, CIMB bank users and MMU student. Limitation of the study The extension of this study include there are large amounts of people still dont have the internet connection in their home and some dont know how to use e-banking services which will result in lack of internet banking users. There is a need for public knowledge to deal with computers and browsers since there are a lot of public still unable to use the internet applications. Besides that, it will lead to the difficulty of development of e-banking in the country. Customer may prefer visiting the bank branch because there are lacks of social contact regarding e-banking will creates difficulty to the customer since in the bank there will be banker which will helps and assists customer needs. Then it may take some time to learn and get to use to internet banking, as it requires a lot of procedures. If banks server down, customer may not access to the website. Secondly, the limitation that I faced is the difficulty of communication with the respondents when interviewing and collecting data for my research. Some of the people will resist for doing the research survey because they thought I wanted to promote or sell something. The thing that I frequently faced is meeting people who reject to answer any question before I start to talk about my research purpose. Organization of research In chapter 1, the main title is introduction which is a beginning section that states the internet banking among difference countries. Background of study explaining what about of a particular topic is placed. Problem statement is focus on the attention of the problem solving team. Research objective is writing about the purpose of this research. In significant of study, I will shift from the particular to the general, and present the importance of the study from target beneficiaries to the people in the community, to the people in the region and nation. Scope of study is focus on the coverage of areas in this research such as student and businessman. The limitation of study is about the restriction that I facing during doing this research. In addition, Chapter 2 is literature reviews. In this chapter reviews and introduces the previous journals related age, income, education, gender, convenience, perceived ease of use, reliability, saving time and cost, service or service quality and trust. I will focus on how these independent variables influence consumers adoption of internet banking. There will be an overview of some journals about consumers adoption toward e-banking will be presented which will used to examine the relationship between independent and dependent variables. In Chapter 3 it is about research methodology that including theoretical framework, hypothesis of study, data collection and data analysis. In Theoretical framework, I will suggest the integrative interrelationships among important variables in the research which is includes age, income, education, gender, convenience, perceived ease of use, reliability, saving time and cost, service or service quality and trust. There are four method are used in data analysis, which are frequency distribution, Pearsons correlation coefficient, cross tabulation and descriptive analysis. Chapter 2: Literature Review Introduction In this chapter 2, I review many journals about this topic in the various area of e-banking. In the 2.2 those journals are investigating about demographic affects the consumers adoption toward e-banking. In the 2.3, those journals are investigating the factors that influence the consumers adoption toward e-banking. In the 2.4, those journals are investigating about the service or service quality which will influence consumers adoption. In the 2.5, those journals are investigating about influence of trust toward consumers adoption. Demographic According to Kim,Widdows and Yilmazer (2005), age were influencing the attitude of consumers towards internet banking and their ability for learning how to do investment. The younger age groups of consumers are more likely to invest the time to learn to utilize internet banking because this group of consumers can generate more advantages through time saving. Besides that, higher income of consumers will have higher value of time than consumers with lower income, so higher income of the consumer can generate more advantages through adoption of internet banking. More educated consumers may involve fewer training in response to technological change if their general skills facilitate them to be taught the new technology (Bartel and Sicherman, 1998). They also indicated that adoption internet banking of well educated individuals is faster than less educated individuals due to the internet banking, new technology, and warrantees reduction of the time required for money transactions. In Padachi, Rojid and Seetanah (2007) report examined that the younger generation the more they like to utilize the new technological advancements as they are more prefer to adopt e-banking compared to the older generation. Mean age of internet banking users is 45 and 47 for non-internet banking users. Furthermore, the higher of education and income ladder will lead to the greater the probability of customer adopting internet banking. There are 57% of respondent having an education level in the category post graduate and 33% in the category of undergraduate utilizes the service. There are 48% of people using the internet banking that have the income group of Rs 30000 to 49000, which means the higher income earners are more sensible in utilizing internet. In the Jane, Jeanne and Marianne (2004) report explores the discoveries of demographic correlates of technology acceptance have constructed varying results with respect to important relationships to adoption. Men and women show to have dissimilar acceptance rates of specific computer technologies which men will more prefer on adopting technologies application(Gefen and Straub, 1997), but gender appear not to be found to have a direct on adoption of technology in general (Taylor and Todd, 1995; Gefen and Straub, 1997). The research show that the probability of higher income households ($75000 or more) being current users of ABP was 15 points higher than low income households (under $25000) and was more likely to adopt e-banking. However, research examined younger persons are being more likely to adopt which has also linked age and adoption of technologies (Zeithaml and Gilly, 1987; Trocchia and Janda, 2000; Karjaluoto, 2002; Lee, 2002). The research shows that the age of 65 of respond ents were less likely to adopt phone banking and PC banking compared to medium and youngest group. People with married status are more likely to adopt than single males or females because when it comes to bank accounts, married couples may have jointly held accounts. In region variable households living in the northeast were more likely than in the midwest to have adopted or to intend to adopt phone banking or ABP. In the Demographic characteristics of Western Australian users of electronic banking journal published by Catherine, Simone and Katherine (2005) explored that most online banking customers were male while the majority of telephone banking customers were females. Australian Bureau of Statistics (ABS), 2001 stated that consumers of Western Australia, who are between 18 and 24 years of age, employed, male, have higher levels of education, and higher incomes have been examined to be more likely to use information technology that those are older, unemployed, lower incomes and have lower levels of education. The authors also examined 58.4% of the internet banking users are being in professional, administrative, managerial or para-professional occupations. This is because males in these occupations often utilize technologies such as computers and the internet in the workplace, providing them access to the required hardware and possibly encouraging a preference for online interaction with pr oviders. Filoto, Tanzi and Saita (1997); Jayawardhena and Foley (2000); Thornton and White (2001); Pereira (2002) have found these customers may be on higher incomes due to their more educated and/or highly skilled and therefore they are in occupations that need them to be more practiced at using technology-based service delivery modes. Mitchell (1998) and Tan (1999) stated that education may not be an important aspect for EFTPOS users because transactions are usually performed in retail settings and they involve retail personnel who assist the completion of transactions for consumers. Jayawardhena and Foley (2000), Orenstein (1998) and Thornton and White (2001) argued that online banking consumers are more likely to have higher than average education and they may frequently be students because of their higher exposure to technologies such as internet and computer. Councils on the Ageing (2002) stated that in some studies have recommended that older consumers may be discouraged from the utilization of electronic banking by issues such as limitation of mobility and visibility. In Jun Wu, 2005 report examined that the products and services people purchase varies during the different stages of their lives. The result of demographic age profile in this research shows that the 21 to 29 age group is dominant. Furthermore, consumers that more educated will have more money available to spend because of better education, and this influences their life-styles. Wilkie (1990) stated that it will influences which type of products they purchase, what kind of stores to purchase them in, and what prices they are willing to pay as people achieve higher education. Customers with better educated be likely to have better paying occupations than not well educated customers (Schiffman and Kanuk, 2000) because a persons level of education can affect strongly on their ability to create income and their consumer spending potential. Polatoglu and Ekin (2001) explored that high levels of education improve a consumers ability to process more complicated information and make decision s. Income is a famous demographic variable for segmenting markets due to the income levels affect consumer wants and determines their purchasing power (Lamb, 2000). Purchasing power is influenced by inflation, recession, the international valu Advantages of E-banking Advantages of E-banking Chapter 1: Introduction Introduction Nowadays, Malaysia is a multi sector economy and technology development based on the presence of many technological inventions. Traditional banking act as physical bank and delivery channel which to give customers to place or get their money out of the bank safety deposit boxes, managing checking or current accounts, paying cheques drawn by customers. However, e-banking is one of the technological inventions that give conveniences to customers to manage financial transactions on a secure website performed by retail or virtual bank, credit union or building society. E-banking is also called electronic banking which is the automated delivery of new banking services and products directly to customers through electronic, interactive communication channels. It brings many benefits and capabilities to customer compared to traditional banking. E-banking is fast and convenient way of using computer to easy access to the bank in 24hours. E-banking utilizes the internet system as the delivery channel by which to accomplish banking activity, for example, paying bills, transferring funds, viewing checking and savings account balances, paying mortgages and purchasing financial instruments and certificates of deposits (Haque et al, 2009). Internet banking enable customers to access their general information and accounts of bank products and services through PC or other intelligent device using web browser software on 24 hours a day and 7days a week, such as Netscape Navigator or Microsoft internet explorer (Mohamad, Hanudin, Suddin, Noren, 2007). The development in information technology have had an tremendous effect in development of more flexible payment methods and more user-friendly banking services in the world of banking (Serkan, Safak, Eda, 2004). There are some features that fall into several categories of internet banking which are transactional, non-transactional, financial institution administration, support of multiple users having varying levels of authority, transaction approval process and wire transfer. In transactional, e-banking act as account and financial transactions, pay bills, wire transfer and apply for loan or new account, investment purchase or sale and others. Electronic Bill Presentment and Payment (EBPP) is an electronic billing which customer can pay bill and receives payment easily, faster, and conveniently over anywhere and any times. Customer perception is interpretation of sensory mind and experienced by customer. The convenience of e-banking are attracted customers and provided no cost charged to customers. Customers have started accepting this internet service and assessing the banks based on their easy to access and convenience. With great confidence toward e-banking, customers are willing uses the internet banking to transfer fund, pay bills, and lot more with a excellent-secured system. It also can establish the relationship between trust and loyalty of customer toward e-banking. Internet banking in USA and Europe The dramatic growth in internet usage has generated a segment of customers with the ability and desire to conduct banking transactions completely online (Mathew and George, 2003). The internet explosion in the late-1990s brings people more convenience with various applications over the web. In the mid-1990s, customers using internet as monetary business transaction over the web as the financial institutions had implemented e-banking. The majority of US-based banks are escalating their investment in technology and hedging their bets while research specifies that a substantial portion of the customer base may always demand the type of personal interaction that can only be provided by individual branch personnel (Alstad, 2002). TowerGroups prediction is highlighted by CRMToday on IT spending by large banks in USA, which the amounts is 24.1 billion in 2004 as compare to 22 billion in 2002. Besides that, many US banks, such as Bank of America and Umpqua Bank are lending from social media channels, offering social networking, pod casting, web casts and other interactive tools. Now competitors can establish an internet bank for as little as $6 million in the USA compared to the cost of setting up a traditional brick and mortar bank (estimated at between $25 and $30 million) (Nathan, 1999). CRMToday (2003a) also stated that without major consumers adoption internet banking would not achieve as profitable as promise although there are increasing in amounts of online banking customers. According to the European Central Bank in 2002 (centeno, 2003), the level of services and its quality differ according to the country and the banks even though all main banks provide internet banking services. Bughin, 2001 investigated that the adoption rate is examined to be averaging only 17% of internet users or less than 6% of total bank customers. The author also stated that there are 60% internet customers do not have subject in buying books, CDs or low valued item through online but are reluctant to create online banking transactions. Furthermore, there are differences of internet banking adoption also existed among some countries in Europe. Around 18-25% of populations in Estonia are utilizing internet banking services whereas Italian bank had about no on-line customers by early 2000, banks in Malta initiated internet banking services in December 2002 (Centeno, 2003). Furthermore, there are differences of adoption among banks within the same country. Bughin (2001) stated an example, a leading banks in France have diffusion rate over 11% while minor bank such as the credit commercial de France have translated only 2% of its customers to online for the same period. Internet banking in Turkey In Turkey, there are over 18% of banking customers using e-banking actively (Jamaluddin, Osman, Sukru and Kemal, 2008). Since 1997 internet banking has been recognized as a feasible alternative distribution channel by Turkish commercial banks due to the deregulation in the financial sector, escalation of computer literacy, the rapid diffusion of electronic commerce, strong commitments to reduce operating costs, changing customer demands for innovative financial products and services and create customer convenience (Hakan, 2008). Due to the low cost of attracting customer to utilize internet banking and retaining existing innovation-demanding customers during the past two decades, most of Turkish commercial banks found it irresistible to invest large amounts in online banking although the customer take up of internet banking appeared to be very slow. In addition, the actual number of utilizing e-banking users appeared to be between 1 and 1.2 million (30%) in 2003 although 2million people (50%) were forecasted to utilize e-banking by 2003 (Akinci, 2004; Celik, 2002; Ozkan, 2003). Furthermore, in turkey the numbers of active internet banking accounts are escalating from 150,000 in 2000 to 5.5 million in 2007 and grew annually by 68 percent (Higgs, 2000). In comparison, although this illustrates that internet banking has experienced strong and sustained growth since its inception, Turkey has a lower internet banking penetration rate than that of many European countries. The research on internet banking by individual customers in the country has been required to improve customers understanding of how their particular beliefs or motives affect their utilization of the services. Internet Banking In Australia Internet banking growth continued rapidly in Australia with a 26 % increase in the internet banking customer population to 5.5 million users (approximately 34% of the adult population) going on over the 12 months to May 2005 (ACNielsen, 2005). The report stated there are over 7.2 million consumers accessed 27 millions accounts in 2003 which is an increase of 31% compared to 16.2% in 2002 (MISC, 2004). The report showed that users are more efficient in utilizing Internet banking services and transacting more amounts utilizing fewer sessions. Furthermore, internet banking services are increasingly attracted among users women and 50+ years age group is the highest growing in all category. There are 54% of Australian adults were utilizing telephone banking and an estimated 25% of employed internet banking after a period of strong electronic banking market development between 1997 and 2002. Small and medium banks in USA provide more user-friendly services than larger banks and achieved well in the area of personal internet banking, and website reliability and transactional capabilities while larger banks in Australia offer more variety services than smaller banks. Nevertheless, small and medium sized banks in Australia have found to provide more user-friendly services than larger banks and are successful in offering personal banking services. Internet Banking In Malaysia Since achieving independence in the 1957 banking activities in Malaysia has changed enormously with appearances of new technology application. In the 1980, the first Automated teller Machines (ATMs) was introduced which was be the most visible piece of evidence of the emerging electronic banking in Malaysia. ATM is a computerized telecommunications device that used for transfer funds between checking, balance enquiry, cash withdrawal, savings and credit card accounts, bill payments, making cash and check deposits and making payments to application for initial public offerings in Kuala Lumpur Stock Exchange. This technology brought the revolution were longer banking hours which unlimited beyond office hours (BNM Annual Reports, 1985-1997). Apart from this, the next changes in this evolutionary process will be the telebanking and PC-banking in the 1990s. In the early 1990 telebanking was introduced in Malaysia as delivery channel for branch financial services via telecommunications devices connected to an automated system of the bank where customers can perform retail banking transactions through using Automated Voice Response (AVR) technology. The functions of telebanking are almost similar to the ATM services except withdrawal and deposit of cash. Telebanking brings convenience, extended access and significant time saving to the customers. The insufficiency of cash withdrawal function in telebanking leads to the poor customer response to telebanking. In the 1990s, ten local commercial banks are offering PC-banking or home banking services. PC-banking is an online banking device which customer can utilize their computers in anywhere anytime for account transactions by subscribing and dialing into the banks intranet proprietary software system. PC-banking can raise speed, decrease cost and enhance flexibility of business transactions which is more suitable among corporate customers. In the half of 1990, the number of customer that utilizes this service still small. This is because they faced some problems, such as risk in transacting on the internet, lack of trust and loyalty of customer and poor of product and service quality. In this table indicates that frequency of familiarity and usage of using ATM is the highest and PC-banking is the lowest percentage. ATM can attracted all of banking customer to use this service because it really brings convenience to the customer since it can save time, reduce difficulty, and enhance flexibility of business transaction to customers. There are 80% that not using telebanking because this service cant provide any cash withdrawal function. However, PC-banking also faced lack of attraction from banking customers due to the new banking service that introduced to this country, which most of customer still unable to accept this new internet service. When customer utilize PC-banking, they may face some problems, such as risk in transacting on the internet, lack of trust and loyalty of customer and product and service quality. Furthermore, e-banking in Malaysia is become increasingly popular on developments in information technology and telecommunications. In Malaysia internet banking service (IBS) was established in six years ago (The Star, 2005). IBS is a convenience and new physical banking service which is to attain more potential customers as it allows bankers to deliver banking services to a wider segment of customers through electronic and interactive communication channels (Goi, 2005), with 12 domestic banks offering IBS to 4.5million subscribers currently (Bank Negara Malaysia, 2007). So surprisingly internet banking has become one of the popular services with 51 percent out of 8,000 of total respondents once a month. In the beginning, there are 5 Malaysia banks have invested millions of ringgit in online banking but these banks are still functioning as dial up intranet facilities. The online service is still unavailable for customers because of the insufficiency of legal framework and security concerns. The investment may be wasted due to the deficiency of important business understanding to support customer adoption if a bank introduces Internet Banking Services without a clear understanding of factors influencing customer adoption (Goi, 2005; Pires and Aisbett, 2002). In table 1 it illustrates the demographic characteristics of the internet bank users and the non-internet bank users among the sample respondents was analyzed. Mean monthly income is the only significant difference appears which it assumed that the internet bank user monthly income is highly than non-internet bank user. It also shows that there is no significant difference between the mean age of the internet bank users and the non-internet bank users. These two groups are equal in percentage of graduates and undergraduates in which both of the groups are nearly about 85%. Background of study The purpose of this research is to identify and evaluate the consumers perception toward e-banking. Consumer perception is important to bankers because of that banker can only understand and determine what customer actually wants to and how e-banking service shall satisfy them. There are some variables will be discussed which are affecting the growth of e-banking in Malaysia. From the customers perspective, internet banking assists a convenient and effective approach to control personal finances without visiting the bank and from any locations, as it is accessible 24 hours a day and 365 days in a year (Rotchanakitumunai and Speece, 2003). Through this report we will discuss about different countries have different customers perception about e-banking. This research also studies whether service or service quality will influences the trust and willingness of customer for using e-banking. Besides that, we also explore the factors which are taken to assess customer perception toward various application of internet banking. The factors that will be assessed are convenience of account transaction, flexibility, reliability, save time and cost. Internet banking is convenient, no geographical barriers, low cost and isnt bound by operational timings (IAMAIs, 2006). More than 50% of total respondents agreed that e-banking is convenient and flexible ways of banking and it also have a variety of transaction related advantages (Divya and Padhmanabhan, 2008). The purposes of internet banking consist of customer convenience through personalized service, cost containment through decline in operating cost, revenue expansion through better quality and additional non-financial services, and performance enhancement by making the service from any location (Bradley Stewart, 2002; Chau Lai, 2003; Frust et al., 2000; Suganthi Balachandran, 2001). How saving of cost and time affect the p erception of customer toward e-banking are also analyzed. So this research main purpose is to examine the variables of the actual perception of customer toward e-banking. Problem statement This research explores and examines some topics which are important elements that help in consumers perception toward e-banking. Banker should understand the need of customer so that they can improve the insufficient of the services. Banker should find out the way to attract more customers to utilize their services. In line with global trends, most customers are not focusing on this internet application. So, we need to solve this problem regarding the importance of the e-banking among customer in the local area. Customer should learn to use internet banking which can bring conveniences without going to the bank. Then customers will obtain satisfaction with the system when it provides them maximum convenience while bank transaction is occurred. The convenience of internet banking is contributing to changing patterns in cash withdrawal and day to day money management and assisting people gain greater control of their finances (Beer, 2006). On the other hand, there are few factors that lead to this problem occurrence. Firstly, not many people start to use e-banking because they still not trust on the system through internet. They will worry and always have a doubt about whether their money is safe. In addition there are few cases of fraud have been reported in online banking. The hacker wills forgery information by entering person information without the owner knowing and takes out his/her money. Secondly, there are lacks of social contact because internet banking dont have any assistance will be served to customer. It will create difficulty to the customer since in the bank there will be banker which will helps and assists customer needs. They will easily give up since there are many lack of skill problems occurred when utilizing the systems. Besides that, it is difficult to do survey since there are a lot of public are faced limitation of time, because it may take times to explain to the public. Research objective To identify what influence consumers perception toward e-banking To determine the factors that affecting consumer perception toward e-banking To find out how service quality influences internet banking user To identify the reason why customer use internet banking To solve the problem customer face toward internet banking To increase the knowledge of customer toward internet banking To improve the insufficient of the internet banking services To enhance the loyalty and trust between consumer and e-banking Significance of study This research is contributed to give customers to better understand about e-banking. There are many features and characteristics of the e-banking that many people still no realize about it. Through this research, we will interview a numeral of people and will explain about internet banking to give consumer to better understand the services that already provided to help them to ease their life. For example, CIMB offers CIMB Bank AirAsia Savers Account, a paperless account which customer will directly enjoy the convenience of viewing their account statement online without require a passbook (AirAsia Berhad, 2007-2010). Such a good service provided by bank, customer wont know about it if they no utilize internet banking. This study has combined varieties of factors from past research to study consumers perception toward e-banking. Both practitioners and academics can obtain the advantages by to better understand the consumers perception in the value of internet banking services. Furthermore, they can also identify the deficiency of the service in e-banking through this research so that the service would be improved to match customers requirement. Hence, customer can properly understand and adapt the problem that they face as necessary. In Malaysia, Maybank has become the first bank to introduce internet banking services (Maybank2u.com) and an combined web-based cash management portal on June 1, 2000. The online banking services will allow customer to perform bill payment, banking enquiry functions, funds transfer, credit card payment and accounts summary as well as transaction history (Suganthi, Balachandher and Balachandran, 2001). However, the influence of consumers acceptance e-banking in Malaysia seems more challenging because of the deficiency of information and academic in e-banking. Scope of study The scope of study is only concentrate about consumer area and perception toward e-banking. In this study, the research will be focus on MMU student, CIMB banking users and businessman that will regularly using banking service. The reason that we choose MMU student is because MMU student will often using online banking systems to pay tuition fees, transfer fund to their friends, check for their transaction account anywhere anytime. Apart from this they can teach their parent to use these services since it is very convenience and saving time, especially to those parent that very busy with their work. Besides that, we also focus on CIMB bank users which they can provide some information through interviews or questionnaires. Then, we will determine how depth the respondents understand about internet banking and what their comment regarding e-banking. Through this research we will resolve the inadequate and insufficient of service of internet banking. In addition to this, for sure business man they want to utilize something that very fast, time-saving, and can assist to their business. They can conduct most of their business on the internet and make transactions between their businesses without going to the bank. It can guarantee service quality for users conducting business transactions while utilizing IT applications and infrastructure. Through this research we can ask for some suggestion or any dissatisfied regarding internet banking from different view of business man, CIMB bank users and MMU student. Limitation of the study The extension of this study include there are large amounts of people still dont have the internet connection in their home and some dont know how to use e-banking services which will result in lack of internet banking users. There is a need for public knowledge to deal with computers and browsers since there are a lot of public still unable to use the internet applications. Besides that, it will lead to the difficulty of development of e-banking in the country. Customer may prefer visiting the bank branch because there are lacks of social contact regarding e-banking will creates difficulty to the customer since in the bank there will be banker which will helps and assists customer needs. Then it may take some time to learn and get to use to internet banking, as it requires a lot of procedures. If banks server down, customer may not access to the website. Secondly, the limitation that I faced is the difficulty of communication with the respondents when interviewing and collecting data for my research. Some of the people will resist for doing the research survey because they thought I wanted to promote or sell something. The thing that I frequently faced is meeting people who reject to answer any question before I start to talk about my research purpose. Organization of research In chapter 1, the main title is introduction which is a beginning section that states the internet banking among difference countries. Background of study explaining what about of a particular topic is placed. Problem statement is focus on the attention of the problem solving team. Research objective is writing about the purpose of this research. In significant of study, I will shift from the particular to the general, and present the importance of the study from target beneficiaries to the people in the community, to the people in the region and nation. Scope of study is focus on the coverage of areas in this research such as student and businessman. The limitation of study is about the restriction that I facing during doing this research. In addition, Chapter 2 is literature reviews. In this chapter reviews and introduces the previous journals related age, income, education, gender, convenience, perceived ease of use, reliability, saving time and cost, service or service quality and trust. I will focus on how these independent variables influence consumers adoption of internet banking. There will be an overview of some journals about consumers adoption toward e-banking will be presented which will used to examine the relationship between independent and dependent variables. In Chapter 3 it is about research methodology that including theoretical framework, hypothesis of study, data collection and data analysis. In Theoretical framework, I will suggest the integrative interrelationships among important variables in the research which is includes age, income, education, gender, convenience, perceived ease of use, reliability, saving time and cost, service or service quality and trust. There are four method are used in data analysis, which are frequency distribution, Pearsons correlation coefficient, cross tabulation and descriptive analysis. Chapter 2: Literature Review Introduction In this chapter 2, I review many journals about this topic in the various area of e-banking. In the 2.2 those journals are investigating about demographic affects the consumers adoption toward e-banking. In the 2.3, those journals are investigating the factors that influence the consumers adoption toward e-banking. In the 2.4, those journals are investigating about the service or service quality which will influence consumers adoption. In the 2.5, those journals are investigating about influence of trust toward consumers adoption. Demographic According to Kim,Widdows and Yilmazer (2005), age were influencing the attitude of consumers towards internet banking and their ability for learning how to do investment. The younger age groups of consumers are more likely to invest the time to learn to utilize internet banking because this group of consumers can generate more advantages through time saving. Besides that, higher income of consumers will have higher value of time than consumers with lower income, so higher income of the consumer can generate more advantages through adoption of internet banking. More educated consumers may involve fewer training in response to technological change if their general skills facilitate them to be taught the new technology (Bartel and Sicherman, 1998). They also indicated that adoption internet banking of well educated individuals is faster than less educated individuals due to the internet banking, new technology, and warrantees reduction of the time required for money transactions. In Padachi, Rojid and Seetanah (2007) report examined that the younger generation the more they like to utilize the new technological advancements as they are more prefer to adopt e-banking compared to the older generation. Mean age of internet banking users is 45 and 47 for non-internet banking users. Furthermore, the higher of education and income ladder will lead to the greater the probability of customer adopting internet banking. There are 57% of respondent having an education level in the category post graduate and 33% in the category of undergraduate utilizes the service. There are 48% of people using the internet banking that have the income group of Rs 30000 to 49000, which means the higher income earners are more sensible in utilizing internet. In the Jane, Jeanne and Marianne (2004) report explores the discoveries of demographic correlates of technology acceptance have constructed varying results with respect to important relationships to adoption. Men and women show to have dissimilar acceptance rates of specific computer technologies which men will more prefer on adopting technologies application(Gefen and Straub, 1997), but gender appear not to be found to have a direct on adoption of technology in general (Taylor and Todd, 1995; Gefen and Straub, 1997). The research show that the probability of higher income households ($75000 or more) being current users of ABP was 15 points higher than low income households (under $25000) and was more likely to adopt e-banking. However, research examined younger persons are being more likely to adopt which has also linked age and adoption of technologies (Zeithaml and Gilly, 1987; Trocchia and Janda, 2000; Karjaluoto, 2002; Lee, 2002). The research shows that the age of 65 of respond ents were less likely to adopt phone banking and PC banking compared to medium and youngest group. People with married status are more likely to adopt than single males or females because when it comes to bank accounts, married couples may have jointly held accounts. In region variable households living in the northeast were more likely than in the midwest to have adopted or to intend to adopt phone banking or ABP. In the Demographic characteristics of Western Australian users of electronic banking journal published by Catherine, Simone and Katherine (2005) explored that most online banking customers were male while the majority of telephone banking customers were females. Australian Bureau of Statistics (ABS), 2001 stated that consumers of Western Australia, who are between 18 and 24 years of age, employed, male, have higher levels of education, and higher incomes have been examined to be more likely to use information technology that those are older, unemployed, lower incomes and have lower levels of education. The authors also examined 58.4% of the internet banking users are being in professional, administrative, managerial or para-professional occupations. This is because males in these occupations often utilize technologies such as computers and the internet in the workplace, providing them access to the required hardware and possibly encouraging a preference for online interaction with pr oviders. Filoto, Tanzi and Saita (1997); Jayawardhena and Foley (2000); Thornton and White (2001); Pereira (2002) have found these customers may be on higher incomes due to their more educated and/or highly skilled and therefore they are in occupations that need them to be more practiced at using technology-based service delivery modes. Mitchell (1998) and Tan (1999) stated that education may not be an important aspect for EFTPOS users because transactions are usually performed in retail settings and they involve retail personnel who assist the completion of transactions for consumers. Jayawardhena and Foley (2000), Orenstein (1998) and Thornton and White (2001) argued that online banking consumers are more likely to have higher than average education and they may frequently be students because of their higher exposure to technologies such as internet and computer. Councils on the Ageing (2002) stated that in some studies have recommended that older consumers may be discouraged from the utilization of electronic banking by issues such as limitation of mobility and visibility. In Jun Wu, 2005 report examined that the products and services people purchase varies during the different stages of their lives. The result of demographic age profile in this research shows that the 21 to 29 age group is dominant. Furthermore, consumers that more educated will have more money available to spend because of better education, and this influences their life-styles. Wilkie (1990) stated that it will influences which type of products they purchase, what kind of stores to purchase them in, and what prices they are willing to pay as people achieve higher education. Customers with better educated be likely to have better paying occupations than not well educated customers (Schiffman and Kanuk, 2000) because a persons level of education can affect strongly on their ability to create income and their consumer spending potential. Polatoglu and Ekin (2001) explored that high levels of education improve a consumers ability to process more complicated information and make decision s. Income is a famous demographic variable for segmenting markets due to the income levels affect consumer wants and determines their purchasing power (Lamb, 2000). Purchasing power is influenced by inflation, recession, the international valu