Technology innovation mediate the effectiveness of digital assets management in Malaysia

Cheong, Yong Chun and Goh, Chun Ing and Goh, Wei Wen and Lai, Han Chian (2025) Technology innovation mediate the effectiveness of digital assets management in Malaysia. Final Year Project, UTAR.

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Abstract

This research investigates how technology innovation, incorporating artificial intelligence, blockchain, and cloud computing, actually mediate the relationship between risk level perception, investment objectives, network security, and the effectiveness of digital asset management (DAM) in Malaysia. Using established technology adoption model and diffusion of innovation theory, the study found that technology innovation mediated the DAM efficiency by enhancing predictive analytics, security, transparency and scalability. Despite those benefits, there are still barriers to technology adoption and investment, including cybersecurity breaches, willingness to trust artificial intelligence, and privacy concerns associated with cloud data. The findings suggest that sustained DAM growth includes a balance between technology innovation, management efficiency through strong security, and staying in a compliant regulatory environment that includes trust and operational resilience. These findings provide a valuable manuscript for investors, policymakers, and Fintech providers. Keywords: technology innovation; digital asset management; risk level perception; investment objectives; network security Subject Area: HG179 Personal finance Subject Area: HG4501-6051 Investment, capital formation, speculation Subject Area: HG4530 Investment companies. Investment trusts. Mutual funds

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