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Structural Modelling on Factors of Adopting FinTech Among Malaysian Millennials: Perceived COVID-19 Risk as Moderator
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Author(s): Mohammad Imtiaz Hossain (Multimedia University, Malaysia), Md. Kausar Alam (Brac University, Bangladesh), Zainudin Johari (ALFA University College, Malaysia), Maherin Tasnim (Brac University, Bangladesh), Kazi Israk Ferdaous (Brac University, Bangladesh)and Tanima Pal (Brac University, Bangladesh)
Copyright: 2023
Pages: 23
Source title:
Digital Natives as a Disruptive Force in Asian Businesses and Societies
Source Author(s)/Editor(s): Omkar Dastane (UCSI Graduate Business School, UCSI University, Malaysia), Aini Aman (Universiti Kebangsaan Malaysia, Malaysia)and Nurhizam Safie Bin Mohd Satar (Universiti Kebangsaan Malaysia, Malaysia)
DOI: 10.4018/978-1-6684-6782-4.ch008
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Abstract
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.
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