This study focuses on the adoption of retail internet banking among consumers in the Klang Valley, Malaysia and the … consumers are more likely to adopt internet banking. Therefore, the result suggests implications for retail bankers in Malaysia … Valley. By doing so, it enables the banks in Malaysia to save costs of maintaining physical distribution systems through …

. The model was tested using 400 usable questionnaires of adult respondents who reside in chosen urban areas in Malaysia …

stores in Malaysia. Independent variables such as functional, conditional, social, emotional and economic values were taken …