The proliferation of digital technology and its integration into financial services have given rise to the emergence of virtual banking, representing a transformative shift in the banking landscape. This study delves into the determinants influencing the adoption of virtual banking within the Malaysian market. By employing a comprehensive research framework, encompassing technological, socio-economic, and regulatory factors, this research seeks to elucidate the multifaceted dynamics that shape the acceptance and utilization of virtual banking services among Malaysian consumers. Through a...