E-wallet utilization via QR code: an empirical study on relevant predictors among M40 millennials in Malaysia

The Malaysian government is pushing for a cashless society but going cashless is all the rage now. The adoption of e-wallet in Malaysia is still in the infancy stage, and the reasons to explain the behavioural intention to use e-wallet transaction via QR code are remaining unclear. To address these...

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Main Author:	Lim, Foo Wah
Format:	Thesis
Language:	eng eng eng
Published:	2019
Subjects:	T58.6-58.62 Management information systems
Online Access:	https://etd.uum.edu.my/8802/1/s902655_01.pdf https://etd.uum.edu.my/8802/2/s902655_02.pdf https://etd.uum.edu.my/8802/3/s902655_references.docx
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id	my-uum-etd.8802
record_format	uketd_dc
spelling	my-uum-etd.88022022-08-08T06:49:12Z E-wallet utilization via QR code: an empirical study on relevant predictors among M40 millennials in Malaysia 2019 Lim, Foo Wah Ahmad, Fakhrorazi Abdul Talib, Asmat Nizam Ghazali Shafie Graduate School of Government Ghazali Shafie Graduate School of Government T58.6-58.62 Management information systems The Malaysian government is pushing for a cashless society but going cashless is all the rage now. The adoption of e-wallet in Malaysia is still in the infancy stage, and the reasons to explain the behavioural intention to use e-wallet transaction via QR code are remaining unclear. To address these requisites, the purpose of this study is to examine the predictors of the behavioural intention to use e-wallet transaction via QR code among M40 millennials in Malaysia. An integrative theoretical framework was developed based on the perspectives of the Technology Readiness Index (TRI) and the Unified Theory of Acceptance and Use Technology model (UTAUT). To test the framework, the quantitative approach using the survey method was used. By using a self-administered survey, the data were obtained from 487 respondents from the M40 millennials in Malaysia. The data were then analysed utilising the Partial Least Square Structural Equation Modelling (PLS-SEM) technique. The finding showed that of all the four TRI elements, only optimism and innovativeness are relevant to behavioural intention to use e-wallet transaction via QR code in Malaysia nowadays. Besides, the findings indicate that performance expectancy and effort expectancy in UTAUT have significant positive influences on the behavioural intention to use e-wallet transaction via QR code among M40 millennials in Malaysia. More importantly, the findings indicated that overall optimism has positive, statistically significant effects on behavioural intention, through the full mediating effect of performance expectancy and effort expectancy. Additionally, innovativeness through the mediating effect of performance expectancy and effort expectancy indicated a partial mediating effect. The results of this study will contribute in terms of theoretical, managerial and methodological perspectives. It will use to contribute to the financial institutions in Malaysia significantly. Nonetheless, further studies are necessary both to confirm the findings and to incorporate additional variables that may influence results. Lastly, limitations and recommendation for future studies are presented. 2019 Thesis https://etd.uum.edu.my/8802/ https://etd.uum.edu.my/8802/1/s902655_01.pdf text eng public https://etd.uum.edu.my/8802/2/s902655_02.pdf text eng public https://etd.uum.edu.my/8802/3/s902655_references.docx text eng public other doctoral Universiti Utara Malaysia
institution	Universiti Utara Malaysia
collection	UUM ETD
language	eng eng eng
advisor	Ahmad, Fakhrorazi Abdul Talib, Asmat Nizam
topic	T58.6-58.62 Management information systems
spellingShingle	T58.6-58.62 Management information systems Lim, Foo Wah E-wallet utilization via QR code: an empirical study on relevant predictors among M40 millennials in Malaysia
description	The Malaysian government is pushing for a cashless society but going cashless is all the rage now. The adoption of e-wallet in Malaysia is still in the infancy stage, and the reasons to explain the behavioural intention to use e-wallet transaction via QR code are remaining unclear. To address these requisites, the purpose of this study is to examine the predictors of the behavioural intention to use e-wallet transaction via QR code among M40 millennials in Malaysia. An integrative theoretical framework was developed based on the perspectives of the Technology Readiness Index (TRI) and the Unified Theory of Acceptance and Use Technology model (UTAUT). To test the framework, the quantitative approach using the survey method was used. By using a self-administered survey, the data were obtained from 487 respondents from the M40 millennials in Malaysia. The data were then analysed utilising the Partial Least Square Structural Equation Modelling (PLS-SEM) technique. The finding showed that of all the four TRI elements, only optimism and innovativeness are relevant to behavioural intention to use e-wallet transaction via QR code in Malaysia nowadays. Besides, the findings indicate that performance expectancy and effort expectancy in UTAUT have significant positive influences on the behavioural intention to use e-wallet transaction via QR code among M40 millennials in Malaysia. More importantly, the findings indicated that overall optimism has positive, statistically significant effects on behavioural intention, through the full mediating effect of performance expectancy and effort expectancy. Additionally, innovativeness through the mediating effect of performance expectancy and effort expectancy indicated a partial mediating effect. The results of this study will contribute in terms of theoretical, managerial and methodological perspectives. It will use to contribute to the financial institutions in Malaysia significantly. Nonetheless, further studies are necessary both to confirm the findings and to incorporate additional variables that may influence results. Lastly, limitations and recommendation for future studies are presented.
format	Thesis
qualification_name	other
qualification_level	Doctorate
author	Lim, Foo Wah
author_facet	Lim, Foo Wah
author_sort	Lim, Foo Wah
title	E-wallet utilization via QR code: an empirical study on relevant predictors among M40 millennials in Malaysia
title_short	E-wallet utilization via QR code: an empirical study on relevant predictors among M40 millennials in Malaysia
title_full	E-wallet utilization via QR code: an empirical study on relevant predictors among M40 millennials in Malaysia
title_fullStr	E-wallet utilization via QR code: an empirical study on relevant predictors among M40 millennials in Malaysia
title_full_unstemmed	E-wallet utilization via QR code: an empirical study on relevant predictors among M40 millennials in Malaysia
title_sort	e-wallet utilization via qr code: an empirical study on relevant predictors among m40 millennials in malaysia
granting_institution	Universiti Utara Malaysia
granting_department	Ghazali Shafie Graduate School of Government
publishDate	2019
url	https://etd.uum.edu.my/8802/1/s902655_01.pdf https://etd.uum.edu.my/8802/2/s902655_02.pdf https://etd.uum.edu.my/8802/3/s902655_references.docx
_version_	1747828464171352064

E-wallet utilization via QR code: an empirical study on relevant predictors among M40 millennials in Malaysia

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