Citation

Ng, Tuan Hock and Lim, Ying Zhee and Chan, Kar Hoong (2026) A Mobile Wallet Security: What Drives Users to Protect Themselves? In: Intelligent Governance in the Big Data Era. Springer Nature Link, pp. 403-412. ISBN 978-3-032-14697-7, 978-3-032-14698-4

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Abstract

The rapid rise of mobile wallets has transformed digital transactions, but escalating cybersecurity risks threaten user trust and financial stability. This study employs Protection Motivation Theory (PMT) to explore factors driving mobile wallet security behaviours among Multimedia University students. A structured survey, distributed to 150 students and analysed using SPSS, assessed the influence of perceived severity, vulnerability, self-efficacy, and response efficacy on protective practices. Regression results from 146 usable responses indicate that perceived severity and vulnerability significantly predict security behaviours. Conversely, self-efficacy and response efficacy showed no significant impact. These findings highlight the need for awareness campaigns emphasising both the likelihood (vulnerability) and severe consequences (severity) of cyber threats, such as phishing, credential theft, or financial loss, to motivate proactive security practices. This research informs strategies to enhance mobile wallet security and reduce financial fraud among young, tech-savvy users in the evolving digital payment landscape.

Item Type:	Book Section
Uncontrolled Keywords:	Mobile wallet security, Protection motivation theory, University students
Subjects:	H Social Sciences > HG Finance > HG1710 Electronic Funds Transfers
Divisions:	Faculty of Business (FOB)
Depositing User:	Ms Suzilawati Abu Samah
Date Deposited:	04 Jun 2026 03:30
Last Modified:	08 Jun 2026 06:20
URII:	http://shdl.mmu.edu.my/id/eprint/15917

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