This paper presents a conceptual framework for design and develop Creativity Clay Module to teach Special Educational Needs (SENs) students with learning disabilities in Special Education Integration Program (SEIP) in Malaysia primary schools. The Creativity Clay Module will be designed especially for students with learning disabilities based on Torrance Creativity Theory, Constructivism Theory, and Sidek’s Module Development Model. Thus, this paper presenting literature review on Creativity, Clay, Torrance Creativity Theory, Constructivism Theory, Sidek’s Module Development Model, Design and Development Research (DDR), Fuzzy Delphi Method (FDM), and SENs Students with Learning Disabilities. Literature review evidenced SENs students with learning disabilities are poor in creative skills. Therefore, there is a need to develop a specific teaching module for SENs students with learning disabilities to cultivate their creativity skills through teaching and learning. Thus, this study aims to present a conceptual framework to design and develop Creativity Clay Module. This study will employ Modified Design and Development Research (DDR) approach. There are three phases in this approach namely; phase one: need analysis; phase two: design and develop; and phase three: evaluation. After gone through the three phases of DDR, researcher will produce the Creativity Clay Module as end product. This Creativity Clay module is able to nurture creativity skills among SENs students with learning disabilities in primary school.
Financial technology has emerged as a game-changer to complement and enhance how the Millennial and Generation Z conduct transactions. Responding to calls of prior research, this study used the unified theory of acceptance and use of technology (UTAUT) to understand how performance expectancy and effort expectancy factors influence consumers' intention to use financial technology. Performance expectancy (PE) and effort expectancy (EE) were investigated as exogenous variables towards the intention to use financial technology (FinTech) that act as endogenous variables in this study. The authors collected 284 Millennial and Generation Z respondents and analysed the data using PLS-SEM. The result from the study's structural model suggested that FinTech continuance use intention was dependent on performance expectancy and effort expectancy on engaging with young vibrant consumers and establishing attractive FinTech elements. In addition, Millennial and Generation Z consumers with a high-performance expectancy were found to emphasize FinTech components in the engagement process.
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