PurposeIn view of the promising growth of e‐payment in Malaysia, this study aims to discover the factors influencing perception towards electronic payment (e‐payment) from the Malaysian consumers’ perspective.Design/methodology/approachLiterature indicates that factors such as benefits, trust, self‐efficacy, ease of use, and security influence consumers’ perception towards e‐payment. A self‐reporting questionnaire was developed and disseminated to 200 respondents, out of which 183 valid responses were considered for further statistical analysis.FindingsThe multiple linear regression results reveal that benefits, self‐efficacy, and ease of use exert significant influences on consumers’ perception towards e‐payment. However, the insignificant results obtained for trust and security warrant further investigation.Research limitations/implicationsThis study proposes five factors for measuring consumers’ perception towards e‐payment which is replicable across different economies. However, the small sample size raises the issue of generalizability which future studies should seek to address.Practical implicationsThe use of e‐payment by the majority of respondents confirms that there is a great potential for future expansion of such payment devices. The challenge is to ensure that it continues to meet consumers’ expectations which will subsequently lead to its increased adoption and use.Originality/valueThis study has advanced knowledge for it has provided information on the current state of e‐payment acceptance and use, particularly among Malaysians. The significant factors identified are beneficial to the policy maker, banking institutions, online transaction facilities providers, and software developers as they develop strategies directed at increasing e‐payment acceptance and use.
PurposeThis paper explores factors affecting spending behavior of credit card holders in Malaysia. Specifically, variables such as demographic factors, banks’ policies, and credit card holders’ attitudes toward money are examined.Design/methodology/approachA cross‐sectional survey through the use of a structured questionnaire was administered on 150 credit card holders based on the area sampling and convenience snowball sampling techniques.FindingsThe results indicate that age, income, and marital status have significant correlation with credit card holders’ spending behavior. The same goes to two of the three items identified under banks’ policies (benefits given and payment policies) and attitudes toward money (willingness to pay and awareness of the total debt owed). Occupation, qualifications to apply for credit card, and management of income vs expenses are not significantly related to credit card spending behavior among Malaysians.Research limitations/implicationsThe study serves as a guide for researchers to extend the research work covering more variables in different economies in light of the low R2 value. The small sample size raises the issue of generalizability, which future studies should address.Practical implicationsThe results could be used as a guide by emerging market economies or even developed countries where credit card usage is a widespread phenomenon. It also provides insights to the credit card issuing banks in terms of understanding their target consumers, preferences, and the effect of their policies on credit card application and use.Originality/valueThis study sheds light on credit card spending behavior, particularly among Malaysians.
Modern day entrepreneurs who operate in today's highly volatile socioeconomic circumstances are undeniably encumbered with a host of role stressors that affect their businesses and personal lives, namely role overload, role ambiguity and role conflict. Coupled with work schedule flexibility, these role stressors have a bearing on work-family conflict and are the focus of this study. Employing self-administered questionnaires via purposive sampling, data were collected from Malaysian entrepreneurs, married with at least one child. Results derived utilising the Partial Least Square (PLS) approach suggest that role conflict and role overload positively affect work-family conflict. However, role ambiguity and work schedule flexibility indicate insignificant effect on work-family conflict. Given a multitude of challenges faced by entrepreneurs in this context, an understanding of the findings can bring to light some insights on how work-family balance can be achieved to boost the development of Malaysian entrepreneurs.
Determining the job satisfaction level of employees is essential as job satisfaction is an important element that can affect the total operation or production of an organization. This study investigates four predictors (demographic, employee relationship with management, compensation and benefits, and working environment) as independent variables to job satisfaction among 150 human resource (HR) employees who work in the manufacturing industry in Malaysia. Job descriptive index (JDI), Minnesota satisfaction questionnaire (MSQ), employee benefits survey sample and Direct Support Professional (DSP) job satisfaction questionnaire are employed to develop the self-administered questionnaire for this study. The Pearson correlation coefficient results indicate that there is a positive relationship between all the three predictors and job satisfaction. Taking a closer look, the multiple regression results show that employee relationship with management has a greater influence on job satisfaction compare to the remaining two predictors. The analysis of variance (ANOVA) and T-test analyses suggest that, there are significant differences between the age group, the number of year of services, education level and job satisfaction. This study sheds light on the major factors affecting the level of job satisfaction among HR employees, a group that is not frequently researched. The findings imply that employers are required to formulate appropriate long term plans to avoid high turnover and/or job burnout among employees.
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