Woo, Schumeichel Seng Hui (2026) Digital banking in Malaysia: factors influencing its adoption. Final Year Project, UTAR.
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Abstract
This study examines why digital banking adoption in Malaysia lags at only 50% despite over 90% public awareness. Using a survey of 197 Malaysian users across five regions, the research tested five factors namely: Perceived Usefulness, Perceived Ease of Use, Effort Expectancy, Facilitating Conditions, and Trust against the TAM and UTAUT2 frameworks. The OLS regression model explained 89.3% of adoption variance, finding that Perceived Ease of Use is the strongest driver, followed by Facilitating Conditions and Perceived Usefulness. Effort Expectancy and Trust were not statistically significant. The study recommends that digital banks prioritize user-friendly interfaces and robust infrastructure support to boost adoption and achieve Malaysia's financial inclusion goals.
| Item Type: | Final Year Project / Dissertation / Thesis (Final Year Project) |
|---|---|
| Subjects: | H Social Sciences > HG Finance H Social Sciences > HT Communities. Classes. Races |
| Divisions: | Faculty of Accountancy and Management > Bachelor of Finance (Financial Technology) with Honours |
| Depositing User: | Sg Long Library |
| Date Deposited: | 20 Jul 2026 22:04 |
| Last Modified: | 20 Jul 2026 22:04 |
| URI: | http://eprints.utar.edu.my/id/eprint/7648 |
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