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Accessibility Issue In Internet

1 Introduction

The introduction of Internet banking in Malaysia by Bank Negara Malaysia (BNM) since 1 June 2000 has set the banking sector as well as the community under revolution. Nine year later, 10 of the registered local commercial banks (including Islamic bank), have offered the Internet banking channel services. Not to mention the locally incorporated foreign banks that are allowed to offer Internet banking service for consumers in Malaysia since 2002 (Goi, 2005). Table 1 lists the bank offering Internet banking services in Malaysia.
No Local Banks Foreign Banks
1 Affin Bank Berhad Al Rajhi Banking & Investment Corporation (Malaysia) Berhad
2 Alliance Bank Malaysia Berhad Citibank Berhad
3 AmBank (M) Berhad HSBC Bank Malaysia Berhad
4 Bank Islam Malaysia Berhad Kuwait Finance House (Malaysia) Berhad
5 CIMB Bank Berhad OCBC Bank (Malaysia) Berhad
6 EON Bank Berhad Standard Chartered Bank Malaysia Berhad
7 Hong Leong Bank Berhad United Overseas Bank (Malaysia) Bhd.
8 Malayan Banking Berhad
9 Public Bank Berhad
10 RHB Bank Berhad
Table 1: Banks Offering Internet Banking Services in Malaysia.
The banking sector in Malaysia is no longer stands on brick and mortar services but also fully fledged on click and mortar services. The deployment of Internet banking by financial institutions have reduce the cost of serving customer, minimize turnaround time, and at the same time providing service efficiently and effectively. Internet banking provides individual customers the flexibility of 24 hours access to banking services and eliminates the need to visit the bank for most banking services and transactions (Ainin et al., 2005). The banking services offered to customer through Internet banking is listed in Table 2.
No Services
1 Account management
2 Fund transfer
3 Bill payment
4 View and download statements
5 Loan application
6 Credit card application
7 Online stocks and investment
8 Insurance purchase and policy renewal
9 Online shopping...