Reproduced with permission of the copyright owner. Further reproduction prohibited without permission. UNDERGRADUATES' PERCEPTION OF SMS BANKING IN LABUAN: AN EMPIRICAL ANALYSIS Hanudin Amin; Suddin Lada; Mohd Rizal Abdul Hamid; Geoffrey H Tanakinjal International Journal of Business and Society; Jul 2006; 7, 2; Universiti Malaysia Sarawak pg. 21