The factors that affecting consumer intention to utilise electronic payment system in Malaysia

Tan, Zi Yi (2019) The factors that affecting consumer intention to utilise electronic payment system in Malaysia. Project Report. Universiti Teknikal Malaysia Melaka, Melaka, Malaysia. (Submitted)

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Abstract

The development of Forth Industrial Revolution digitalise the payment system in Malaysia. When coming to the payment option, nothing is convenient than an electronic payment system. Most Malaysian consumer not ready for accepting electronic payment system. This paper aims to identify factors affecting consumer's intention to utilise electronic payment system. This research study uses deductive method to analyze secondary sources and primary data where hypotheses were formed to justify the findings. Literature shows that factors such as attitude, subjective norms, perceived ease of use, perceived usefulness and perceived security affect the consumer intention to utilise electronic payment system. An anonymous self-administered questionnaire was form based on the research model and spread to the respondents via social media., and data was collected from 394 valid respondents. Researcher analyses the collected data by using Statistical System for Social Science (SPSS) version 25. The result shows that there is a significant relationship between attitude, subjective norms, perceived ease of use, perceives usefulness and perceived security with consumer intention to utilise electronic payment system in Malaysia. The result also shows that perceived usefulness has strongest influences toward consumer intention to utilise electronic payment system in Malaysia. Only a few research studies had explained the affect consumer intention toward electronic payment system with Theory Planned Behaviour (TPB) variables. This research provided better insight for academicians, governments, financial institutions, electronic payment service providers and programmers to formulate a strategy to enhance the adoption and use of electronic payment system. The results are believed to be a significant contribution for further research on electronic payment services and to the development of electronic payment system.

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