Structural Modelling on Factors of Adopting FinTech Among Malaysian Millennials


Hossain, Mohammad Imtiaz and Alam, Md. Kausar and Johari, Zainudin and Tasnim, Maherin and Ferdaous, Kazi Israk and Pal, Tanima (2023) Structural Modelling on Factors of Adopting FinTech Among Malaysian Millennials. In: Digital Natives as a Disruptive Force in Asian Businesses and Societies. IGI Global, pp. 134-156. ISBN 9781668467824

Full text not available from this repository.


This empirical paper investigates the role of perceived usefulness (PU), perceived ease of use (PEU), social influence (SI), service trust (ST), user innovativeness (UI), and technological optimism (TO) on intention to adopt Fintech (ITAF) by Malaysian millennials with the moderation of perceived Covid-19 risk (PCR). Theory of planned behaviour, technology adoption model, and social cognitive theory are applied to amalgamate the concept. Data of 313 millennials who are in university were collected using a convenient sampling technique and a structured questionnaire. The data was analysed in partial least squares structural equation modeling (PLS-SEM). The result shows that PU, SI, ST, and TO influence ITAF significantly. Surprisingly, PEU and UI did not evidence significant impact. Moreover, PCR did not show moderating influence. This study can provide important insights for the Fintech users, industry players, policymakers, and government to comprehend the concept so that the adoption of Fintech can be fostered towards achieving a smart and digital Malaysia.

Item Type: Book Section
Subjects: H Social Sciences > HM Sociology > HM481-554 Theory. Method. Relations to other subjects
Divisions: Faculty of Management (FOM)
Depositing User: Ms Nurul Iqtiani Ahmad
Date Deposited: 04 Sep 2023 03:25
Last Modified: 04 Sep 2023 03:25


Downloads per month over past year

View ItemEdit (login required)