Law, Zi Ning (2025) From awareness to action: the role of financial literacy in shaping bnpl attitudes and behaviors among Malaysian youth. Final Year Project, UTAR.
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Abstract
This study investigates the impact of financial literacy on the adoption behavior of Buy Now, Pay Later (BNPL) services among Malaysian university students. The rapid expansion of BNPL services creates considerable financial threats, especially for young persons with restricted resources and knowledge of finances. This study used a quantitative research design based on the Theory of Planned Behaviour (TPB) and the Unified Theory of Acceptance and Use of Technology (UTAUT) to examine the impact of attitudes, behavioral control, social influence, and financial literacy on the utilization of Buy Now Pay Later (BNPL) services. We gathered data from an online survey of 239 respondents and analyzed it. The results aim to clarify the function of financial literacy in appropriate Buy Now, Pay Later (BNPL) behavior and to offer guidance for policymakers, educators, and financial institutions to improve financial education and consumer protection initiatives.
| Item Type: | Final Year Project / Dissertation / Thesis (Final Year Project) |
|---|---|
| Subjects: | H Social Sciences > HG Finance H Social Sciences > HM Sociology |
| Divisions: | Faculty of Accountancy and Management > Bachelor of Finance (Financial Technology) with Honours |
| Depositing User: | Sg Long Library |
| Date Deposited: | 28 Apr 2026 15:32 |
| Last Modified: | 28 Apr 2026 15:32 |
| URI: | http://eprints.utar.edu.my/id/eprint/7618 |
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