Factors affecting Malaysians continuance intention towards financial robo-advisors

Ng, Li Hun and Loo, Pui Nee (2025) Factors affecting Malaysians continuance intention towards financial robo-advisors. Final Year Project, UTAR.

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Abstract

As the adoption of financial robo-advisors continues to increase in the Malaysian financial environment, there is a need to ensure that the significance of informing the continuance intention has become relevant. In this study, the intention of Malaysian working adults to use financial robo-advisors more will be analysed, and the impact of confirmation, perceived usefulness, and satisfaction on these issues will be assessed based on the Expectation Confirmation Model (ECM). The quantitative research approach was applied, and the results were collected by means of an online questionnaire of 200 participants. It was modelled using the partial least squares structural equation modelling (PLS-SEM). The results indicate that confirmation positively affects both perceived usefulness and satisfaction. The study describes the best practices that developers of fintech and financial service providers can adopt to retain more users using post-adoption experiences. Keywords: Malaysian, Financial Robo-advisors, Expectation Confirmation Model, Continuance Intention, Structural Equation Modelling Subject Area: HG4621 Stockbrokers. Security dealers. Investment advisers

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