Lai, An Xuan and Lim, Wei Hong and Siow, Pei Yee and Tan, Joey (2025) Tech-savvy investors: adoption of wealth tech for wealth management in Malaysia. Final Year Project, UTAR.
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Abstract
The rapid advancement of financial technology has revolutionised the wealth management industry, leading to the rise of digital-only banks. This research examines the key factors influencing the adoption of Wealth Technology, including performance expectancy, effort expectancy, social influence, facilitating conditions and technology readiness. The research integrates the Unified Theory of Acceptance and Use of Technology (UTAUT) and the Technology Readiness Index (TRI) to develop a comprehensive theoretical framework. A quantitative research approach was employed, utilizing survey-based primary data collection from 384 Malaysians across different genders, age groups, highest educational levels, races, employment status, net income levels and regions. Statistical analysis was conducted to determine the significance of these factors in shaping user adoption behavior. The findings reveal that performance expectancy and effort expectancy, while social influence and facilitating conditions also play a significant role. Additionally, technology readiness contributes to user behavioural intention to adopt Wealth Tech in Malaysia. These insights provide valuable implications for financial institutions aiming to enhance user trust and engagement in digital banking services. This research contributes to the growing literature on fintech adoption and offers strategic insights for financial institutions and policymakers to enhance digital wealth management services. Keywords: Digital Wealth Management, Wealth Tech, Technology Adoption, Behavioural Intention, Unified Theory of Acceptance and Use of Technology (UTAUT), Technology Readiness Index (TRI), Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Condition, Technology Readiness
| Item Type: | Final Year Project / Dissertation / Thesis (Final Year Project) |
|---|---|
| Subjects: | H Social Sciences > HG Finance H Social Sciences > HJ Public Finance |
| Divisions: | Faculty of Business and Finance > Bachelor of Business Administration (Honours) Banking & Finance |
| Depositing User: | ML Main Library |
| Date Deposited: | 27 Aug 2025 10:24 |
| Last Modified: | 27 Aug 2025 10:24 |
| URI: | http://eprints.utar.edu.my/id/eprint/7255 |
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