Factors affecting the utilization of fintech in online business in Malaysia

Che Mahmood, Nor Farhana (2023) Factors affecting the utilization of fintech in online business in Malaysia. Project Report. Melaka, Malaysia, Universiti Teknikal Malaysia Melaka. (Submitted)

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Abstract

Online business is a business channel that actually uses Fintech in their business and it is very important nowadays in developing countries because it follows the current of development on with developed countries. It can also be called as internet, web or home banking by just using the internet as well as to enable online businesses to conduct various financial transactions between customers more easily and manage the company more systematically. Therefore, this study needs to identify the factors that influence the use of Fintech on online business in Malaysia. This study consists of dependent variable which is Fintech intention behavior and four independent variables that are performance expectancy, effort expectancy, social influence and facilitating conditions. The purpose of this study is to investigate whether there is a significant relationship between the dependent variable and the independent variable. The results of this study show that performance expectancy, effort expectancy, social influence and facilitating conditions can influence Fintech intention behavior and it has a positive relationship hypothesis. Using a quantitative study, a questionnaire was distributed to 370 students of Universiti Teknikal Malaysia Melaka through an online survey. Based on the data collected from the universities above, the results of the statistical analysis were analyzed using SPSS software. Based on the findings in this study, it can be proven that most university users agree that Fintech behavior intention is influenced by performance expectancy, effort expectancy, social influence and facilitating conditions in online business in Malaysia.

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