E-wallet is an application that enable users to download payment cards using a mobile device. It is a new trend for consumers to use an e-wallet application to replace the traditional payment method. With E-wallet, a user does not need to bring cash or a credit card along with them. It enables users to make purchases in a more convenient way. Hence, this research analyses the factors that affect university students’ intention to use e-wallet. The Technology Acceptance Model (TAM) serves as the theory underpinning this research A total of 140 respondents from a Malaysian private institution participated in this study. Convenience sampling was used to select samples, and respondents completed the questionnaire using a Google form and a paper and pencil approach. The questionnaire was created using a nominal scale and a five-point Likert scale. Descriptive analysis, reliability analysis, and multiple regression analyses were utilised to analyse the data in this study. Students, supervisors, academics, researchers, learning institutions, commercial organisations, and the government will all benefit immensely from the data and information gathered from this study as we will be able to examine and understand the factors that influence students' decision to use an e-Wallet for their daily financial operations. This study, however, has certain limitations as it does not reflect the complete student population in Malaysian tertiary education and only examines four variables: perceived usefulness, perceived ease of use, perceived risk, and trust. Future studies could focus on other impacting elements such as risk, complexity, pervasive technology use and tech-savvy future generations.
Malaysia, like all other countries throughout the world, became a victim of the COVID 19 epidemic. Based on the Malaysia's Insolvency Department 2021 statistical data, the alarming increase of individual bankruptcy cases were caused by failure to pay personal loans, instalment purchases, and credit card debt especially amongst youth. This is concerning because it implies that young Malaysians are still oblivious to their financial circumstances. Hence, the goal of this research is to investigate the level of financial literacy among youth, as well as the relationship between financial knowledge, financial behaviour, financial attitude, and familial influences on financial literacy. A non-probability convenience sampling method was used to gather information from 181 respondents. The findings of the study show that financial knowledge (p=0.000), financial behaviour (p=0.000), and family influence (p=0.000), are significantly associated to financial literacy, the dependent variable in this study, with the exception of financial attitude (p=0.418). Time constraints, insufficient independent variables covered, questionnaire development, respondents' honesty, and respondents' inequity were some of the challenges encountered while conducting this study. The most significant limitation is the sample size, which does not represent the population of Malaysian youth. The findings of this study have broad implications for a wide range of stakeholders, including university students, curriculum developer, parents of students, and future researchers. In this study, the factors that influence financial literacy among youth were examined, and it was concluded that the youth literacy level was moderate. The findings of the study will also help to support the National Strategy for Financial Literacy, which runs from 2019 to 2023.
Mobile learning has become the most popular way of transporting information and the number of users has been rapidly increasing all over the world. Most importantly, students, these days can be defined as members of the digital native or network generation, born in the digital era while interacting with digital technology since childhood. Mobile devices have gradually become more popular around the world. Due to their popularity, the education sector has considered mobile learning (M-learning) technologies as pedagogical tools for users to be able to use their devices for self-learning anytime and anywhere. Therefore, this study examines the factors affecting students’ perception of mobile learning. Several types of research show University professors are adopting mobile learning for discussion meetings in order to help students in academic learning and through effective connection and collaboration inside and outside the classroom. The theoretical foundations for this study are the Technology Acceptance Model (TAM) and the Unified Theory of Acceptance and Use of Technology (UTAUT). A total of 200 respondents from a private university in Malaysia participated in this research. Samples were selected using convenience sampling and the respondents answered the questionnaire via Google form and paper and pencil method. A nominal scale and Five-point Likert scale was used to design the questions in the questionnaire. Data analysis methods used in this research were Descriptive Analysis, Reliability Analysis, and Multiple Regression Analysis. The data collected and also information in this research are highly beneficial and valuable to students, supervisors, academics, researchers, learning institutions, and the government as we are able to gauge and understand the factors influencing students’ perception of mobile learning. However, there are some limitations as this research does not reflect the actual student population in tertiary education in Malaysia and it only focuses on four variables i.e. performance expectancy, effort expectancy, social influence, and quality of service. There are several possibilities for future researches whereby one can focus more on other influencing factors such as pervasive technology usage, tech-savvy future generations, convenience, and many more.
In recent years, changes in the commercial sector, along with the growing popularity of the Internet, have made Malaysian businesses increasingly conscious of the relevance of E-business in establishing a competitive advantage in the worldwide market. As a result, a greater knowledge of the elements that impact online purchase intent might aid in the development of more effective marketing strategies for certain segments. Four variables affecting online purchase intent were chosen for this study: trust, product and service quality, customer satisfaction, and delivery time. Three factors substantially affected online purchase intention, according to 203 Generation X respondents. The only exception was the quality of the product and service. Researchers, online platform developers, financial institutions, marketers, and the government would benefit greatly from the data and information gathered in this study since we will be able to assess and understand the variables that influence Gen X in Malaysia to purchase online.
The number of bankruptcy cases registered from 2017 to April 2021, according to the Malaysian Insolvency Department, is 58,065. Bankruptcy cases involving people under the age of 34 accounted for 24.28 percent of all filings. The inability to pay personal loans, instalment purchases, and credit card debt led to the majority of bankruptcy cases. This is alarming because it suggests that young Malaysians are still unaware of their financial situation. As a result, the goal of this research is to investigate the level of financial literacy among youth, as well as the relationship between financial knowledge, financial behaviour, financial attitude, and familial influences on financial literacy. A non-probability convenience sampling method was used to gather information from 181 respondents. The findings of the study show that financial knowledge (p=0.000), financial behaviour (p=0.000), and family influence (p=0.000) are significantly associated with financial literacy, the dependent variable in this study, with the exception of financial attitude (p=0.418). The sample size is among the limitation of this study which it does not represent the population of youth in Malaysia. The conclusions of this study have significant consequences for a variety of stakeholders, including university students, universities, students' parents, government, and future researchers. The factors that influence financial literacy among youth were investigated in this study, and several significant factors were revealed. This will also add to the supports of the agenda in the National Strategy for Financial Literacy 2019 to 2023.
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