Preliminary Study on Consumer Attitude towards FinTech Products and Services in Malaysia

Tat‐Huei Cham · Low Suet Cheng · Lim Chee Seong · Aye Aye Khin · Raymond Ling Leh Bin

115 citations0/0 files storedInternational Journal of Engineering & Technology

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Technology Adoption and User Behaviour FinTech, Crowdfunding, Digital Finance Health, Technology, Consumer Behavior

Abstract

“FinTech” or a compound term of Financial Technology refers as a newly emerged industry that utilizes IT-centered technologies which aims to boost the efficiency of the financial ecosystem. Since its inception, FinTech has successfully established its presence in the global financial industry due to the benefits and advantages of the system. However, the research studies that highlight the importance of FinTech are scarce. Specifically, the consumers’ attitude towards FinTech products in the context of Malaysia remain unexplored by most of the studies. This preliminary study proposed the extension of Technology Acceptance Model (TAM) as to identify the potential factors that influence consumers’ intention to adopt FinTech products and services in Malaysia. This study reviewed five factors as independent variables, namely the usefulness, ease of use, competitive advantage, perceived risk, and perceived cost; in line with the mediating effect of attitude towards using FinTech products and intention to adopt FinTech products served as the dependent variable. This study attempts to create new knowledge geared towards behaviour to utilize FinTech products in Malaysia.

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References

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