Hello guys,

I am conducting a study on ‘An Integration of Lazy User Model and Technology Acceptance Model in the Adoption of Mobile Banking in Malaysia’ in fulfillment for the degree of doctor of philosophy, under the supervision of Prof. Dr. Syed Azizi Wafa and Dr. Zakariya Belkhamza in Universiti Malaysia Sabah.

This survey is only for users that have used mobile banking in Malaysia before. It only takes an approximately 10-15 minutes of your time to complete this survey.

To thank you for your time, 1 unit of Samsung Galaxy SIII and 5 units of Yoobao 11200mah power bank await the few lucky winners in the lucky draw that would be announced on the 28th of February 2013 in www.facebook.com/mobilebankingsurvey.

Your IC number as well as your email is NOT part of the survey and rest assured I will not share it with anyone anywhere for whatsoever reasons.

Your kind participation in this survey is highly appreciated.

Thank you.

Yours sincerely,


Kevin Kong Yit Hau
Postgraduate Student
School of Business and Economic
University Malaysia Sabah
HP : 016-8011617
Email : kevin_kong@hotmail.com
URL : https://www.facebook.com/mobilebankingsurvey