The adoption of mobile payment apps among university students in Malaysia: determinants and implications

Choy, Joshua Chee Foong (2025) The adoption of mobile payment apps among university students in Malaysia: determinants and implications. Final Year Project, UTAR.

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Abstract

This study investigates the key determinants of mobile payment adoption among university students in Malaysia. As mobile payments continue to grow nationwide, adoption among young users remains inconsistent, highlighting the need to understand the factors shaping their usage behaviour. Five variables—campus environmental influence, perceived ease of use, perceived risk of overspending, perceived personalization, and in-app purchase expectation—were examined using a quantitative approach. A total of 240 valid responses were collected through an online survey, and the data were analysed using descriptive statistics, reliability testing, Pearson correlation, and multiple regression analysis. The findings reveal that campus environmental influence and perceived ease of use significantly and positively predict mobile payment adoption, indicating that supportive campus infrastructure and user-friendly applications play a crucial role. Conversely, perceived risk of overspending, perceived personalization, and in-app purchase expectation were found to be insignificant predictors, suggesting that students prioritise convenience and usability over financial concerns or additional app features. These insights contribute to existing literature by demonstrating the dominance of functional and environmental factors over psychological or feature driven influences among young users. The study concludes with practical recommendations for universities, policymakers, and service providers to enhance mobile payment adoption and outlines directions for future research.

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