The article is based on the acceptance of cyberspace banking in developing states like Thailand and besides on the programs or policies which maximize the rate of acceptance of cyberspace banking. Harmonizing to writers, as per the consequences of pervious research, it is clear that the accomplishment of cyberspace banking is chiefly through client credence nevertheless, Bankss and authorities support besides played an of import function in it. Earlier the invention acceptance in cyberspace banking was chiefly focused in some parts of developed and developing states. Now this survey focuses on the acceptance of information engineering ( IT ) in a underdeveloped state like Thailand, where cyberspace banking is still originating. The chief intent of this survey is to happen the characteristics that persuade the clients to accept the cyberspace banking service in Thailand and besides to make methods which help it to increase the gait of following it.

In order to make the survey, the writers have utilized the decomposed Theory of Planned Behaviour ( TPB ) ( Taylor and Todd, 1995 ) as ; it is utile in prediction and depicting human behavior across many countries, by break uping it into certain dimensions. They have done the quantitative research by carry oning the study in the large companies of Bangkok. The consequence of the study has been used for the information analysis.


The article is good written and writers have chiefly focused on the research aim. The writers have revaluated the banking and internet developments of Thailand for their surveies which are followed by the decomposed theory of planned behavior. Research methodological analysis i.e. quantitative research and informations analysis were besides under taken. From the findings, advices or suggestions are offered that must assist the Bankss to spread out policies to increase the consumption of cyberspace banking. At the terminal decisions, survey drawbacks and the prospective for farther research are besides presented.

The article besides educates that when the cyberspace was introduced in Thailand, what was the ratio of the users, how the Thai ministry has come frontward to advance the cyberspace and the history of banking sector in Thailand in early 1990s.

As per writers, their survey was based on the decomposed theory of planned behavior. The method of decomposition allows the research workers to spread out a set of examine variables. The basic construct of this theory is based on the hypothesis that human behavior is rational. Harmonizing to this theory, the factors that influenced human behavior are: attitude, perceived behavioral control and subjective norms. Here mentality or attitude means that a client will ever believe about the benefits every bit good as the drawbacks of cyberspace banking. Perceived behaviour control means holding indispensable resources and chances for a individual ‘s aim to accomplish. The subjective norm explains the communal force per unit area e.g. the credence of the cyberspace banking in Thailand is referred to as the singularity of Thai civilization.

The research variables are divided into two groups established on the capableness and incapableness of Bankss to ease credence. The groups are bank factors which can be controlled by bank and other factors which are non controlled by bank. This was done to run into the intent of happening the policies that Bankss could take on to increase the credence of cyberspace banking.

As per the article, Internet banking provides assorted benefits to the user. E.g. client can entree his history at anytime from anyplace as per his convenience. However before taking any new service, several issues demands to see by the bank clients e.g. their footings and conditions that sanely can be accepted. In Thailand, maximal bank minutess require certification ; this is once more a large drawback of non following the cyberspace banking. A user friendly web site of bank can convert the client to accept the cyberspace banking but hazard and fring privateness are the chief obstructors in the acceptance of cyberspace banking.

Harmonizing to the writers, Internet banking should be compatible, it is hard for a client to accept new engineering if it is non friendly in nature.

Writers have used the quantitative research method for findings ; they have done the study in the 40 large companies of Bangkok by directing the questionnaires to each company to their 15 office workers who use the cyberspace often. Out of 600 signifiers, 506 were used for analysing the information which signify a response rate of 84 % .

Data analysis or survey can be shown in the tabular array ( appendix attached ) . At the clip of analyzing the signifiers were segregated harmonizing to the gender, age, experience, instruction in order to analyze right.


As per the writer, the below factors can be observed as the most of import encouragement characteristics for the credence of cyberspace banking in Siam:

quality of the web site and,

acknowledge utility.

It is necessary for Bankss to ease encouragement and control obstructor factors.



The survey was done merely on the cyberspace users. Non cyberspace users are non considered in this determination.

All factors were non covered in the old acceptance surveies.

Study was monitored merely on information engineerings which address negative responses to ecommerce.

Future research could enlarge the study to Thai populace in other parts, instead than being peculiar to Bangkok merely, and should be repeated at usual period to supervise the influence of alterations.



The article is about the obstructors to the cyberspace banking acceptance in developing states like Thailand. As per the surveies, Thailand is still behind in accepting the cyberspace banking as compared to other Asiatic states. Although, cyberspace banking allows the client to utilize their bank history from anyplace, at any clip as per their convenience, so besides many corporate clients in Thailand are non utilizing this service. The chief aim of this survey is to happen out the grounds why corporate clients in Thailand are non accepting cyberspace banking which can be examined by Bankss to come up with the strong declarations.

To happen out why the corporate clients in Thailand are non enthusiastic about cyberspace banking, writers have done the qualitative research which consists of the face to confront elaborate interviews with the corporate clients of Bankss that offer internet banking.


Although the article is all about the barriers of cyberspace banking, writers have besides described some benefits of utilizing the cyberspace banking e.g. from the Bankss point of position, it can cut down the cost, better fight, pull new clients, retain bing clients. From client ‘s point of view, it is less clip consuming and can be operated from anyplace. However still many clients give precedence to other services of bank like ATM and Tele-banking instead than internet banking.

As the article is to cover with the obstructors of following the cyberspace banking, writers have addressed many barriers some are:

Some Thai clients believe that engineering can non replace the bank-customer relationship, as they consider in keeping strong relationships in concern. Mostly Thai people choose informal and personal relationship based communicating which makes the fiscal services unappealing to them.

Internet banking is missing in Thailand because of the perceptual experiences of the clients in footings of trust the web system. They are bothered about their security and privateness. They do n’t swear the service suppliers and do n’t desire to trust on cyberspace services.

Another issue is the negative attitude for following new engineerings such as web engineering in the administrations. Many houses do n’t desire to put in web engineerings in Thailand. This is one of the chief barriers for the following the cyberspace banking. Customer believes that engineering based services will non work every bit expected.

Many clients are disquieted about legal support for utilizing cyberspace services in their concern. They are concerned about the protection of the concern practises by deceitful activities such as illegal entree, hackers etc. If there watchwords can be hacked so their money can be lost in few seconds.

In order to make the findings, writers have done the qualitative research as it provides the sentiment of the individuals at the early phases of research and leting the research worker to acquire a good apprehension of the job. To make the research, interviews were conducted in two groups of directors who deal with fiscal issues in their administrations. The first group includes the directors who use cyberspace banking often and the other group consist of the non- cyberspace banking users. The interviews were conducted in a semi-structured format which allows the directors to show their sentiments. The interview includes both the facets of the cyberspace banking that is the positive every bit good as the negative. All interviews were done in Thai linguistic communication, nevertheless they were translated subsequently. Writers have presented the inside informations of the interview through a tabular array. To happen the major barrier in cyberspace banking, writers have adopted the qualitative content analysis.


The survey has found 9 obstructors of cyberspace baking which has been divided into 3 groups which are organizational, trust and legal. These interviews proves that there are still some obstructors to accept the cyberspace banking by Thai corporate clients which needs to be taken attention of by Bankss in order to convert the corporate client to accept the cyberspace banking in their concern. Trust is the most important issue which worries the client in respects to security, privateness and deceitful activities.

Another concern is deficiency of assurance in the non- cyberspace banking user to make the fiscal dealing on cyberspace. They have really much negative attitude in following the cyberspace banking.

Tai people believe that Thailand is still in the early phases of developing their cyberspace engineerings. They can loss their financess due to miss of capableness if they adopt internet banking. Furthermore, clients are besides unhappy with the legal support they are acquiring from the authorities for their private protection. In such instances, bank demands to travel in front and take the lead and advice the clients and make assurance and trust in them to accept the cyberspace banking by doing certain policies and contracts.

Writers have addressed most of the barriers to the credence of cyberspace banking, nevertheless non mentioned anything about the future research on the same issue.