The financial industry has been a competitive industry as financial institutions are providing al... more The financial industry has been a competitive industry as financial institutions are providing almost similar products and services. This results them in competing based on service quality. In addition to that, the fast evolution in technology has cause Fintech application mobile to be introduced in Malaysia. Thus, this research will look into the several factors affecting customer satisfaction in Malaysia where ease of use, Security & Privacy, Information Presentation, Convenience and Lastly Service Quality will be taken into account by applying variable associated to the integration Theory of Dissonance, Assimilation and Contrast. This paper is a quantitative study where data are collected through online questionnaires. The results of the Pearson correlation analysis have shown that Security and Privacy (SP) is the strong influential factor of customer satisfaction towards Fintech mobile payment services followed by Service Quality (SQ), Information Presentation (IP) and Ease of U...
The E-wallet Usage as an Acceptance Indicator on Financial Technology in Malaysia
In the era of Industrial Revolution 4.0 (IR 4.0) the remarkable growth of technology such Financi... more In the era of Industrial Revolution 4.0 (IR 4.0) the remarkable growth of technology such Financial Technology (Fintech) has skyrocketed to popularity. The widespread use of Fintech such e-wallet is becoming inevitable. The emergence of technology in finance has fuelled interest in how e-wallet usage become an indicator of Fintech's acceptance among Malaysian users. Few studies in technology acceptance have explicitly addressed the acceptance of replacement technologies but limited studies have been done among Malaysian e-wallet users. Furthermore, as the user adoption has a crucial role for a success and effective implementation of this technology, there is a need to assess user acceptance. In response, researchers tested the applicability of Technology Acceptance Model (TAM) to further explore the factors influencing the acceptance of e-wallet among Malaysian users. A quantitative study adopted using questionnaires. These findings suggest an extension of the TAM model for conv...
The concept of cryptocurrency, as part of the digital currency phenomena has been around since 19... more The concept of cryptocurrency, as part of the digital currency phenomena has been around since 1998 but world-wide adoption only started after the birth of Bitcoin. Financial technology or Fintech is a term used to describe the technological innovation in the financial sector; has seen various major breakthroughs over the past decade, and Bitcoin was right at the center stage. Clearly, a lack of public trust on financial systems after the global financial crisis which describes to the financial crisis of 2007-2008 which started from the subprime mortgage market in the U.S has given cryptocurrency an opportunity to enter the market. Since then, the industry has been growing at a rapid pace driven by increasing acceptance, greater media coverage, sustained inflows, initial coin offering 3 (ICO) frenzy and increased transaction capacity. This study aims to fill the gap by providing insight into the world of cryptocurrency from a Chinese investment perspective. The findings will help th...
Fintech is touted as a new paradigm in which information technology is driving thetransformation ... more Fintech is touted as a new paradigm in which information technology is driving thetransformation and innovation in the financial services industry. Fintech is evolving at a rapid speed, driven by favorable regulation, information technology and led by the consumer’s acceptance and adoption whose keen for cost reduction and improved quality of financial services. This paper conducted a descriptive analysis on consumer acceptancetowardspayment-type Fintech service by applying variables associated with Technology Acceptance Model and Diffusion of Technology. In addition, it analyzed the determinants of payment-type Fintech service adoption among Malaysian’s mobile user and the causal relationship between variables towards consumer decision in adopting payment-type Fintech service. Quantitative research and descriptive research are utilized.The outcome indicates all variable are significant except perceived ease of use and social influence.
Emotional intelligence is the key to control one's emotion. It is the capacity to monitor own as ... more Emotional intelligence is the key to control one's emotion. It is the capacity to monitor own as well as others emotions. It is a type of social intelligence that involves the ability to monitor one's own as well as others emotions, to discriminate among them and to use this information to guide one's thinking and action. Emotional intelligence helps students to study other emotions, to regulate their own emotions to be more successful. The capability to recognize other emotions is the potentiality for an individual to become successful in life. Selfawareness, self-regulation, self-motivation, social awareness and, social skill are the five stages in designing emotional intelligence. In academic field achievement requires emotional intelligence. Positive emotions increase life satisfaction by building resilience and Emotional Intelligence has facilitator effects on performance. Basing on this idea, the present study aims at investigating the co relational relationship exist in two variables i.e. emotional intelligence and academic performance of final year students of training college, Sambalpur (N=50). All the subjects are in age group of 20-22 years. A five-point scale of emotional intelligence will be administered to test the hypothesis. The hypothesis of the study is that there is a positive relationship between academic excellence and high emotional intelligence. The findings reveal that the highly emotional intelligent students have more academic achievement. Relevance of the investigations will focus on the positive steps to groom girl teacher-students with emotional intelligence for better development.
International Journal of Engineering & Technology, 2018
The Talent is viewed as a competitive issue. Meanwhile, Knowledge Talent is indeed required for s... more The Talent is viewed as a competitive issue. Meanwhile, Knowledge Talent is indeed required for shaping an innovative ecosystem sphere. Malaysia is still fighting the “Knowledge Talent” war due to the rising talent and skill gap between available graduates and industries’ demands. Profound collaboration between the Government, University and Industry known as Triple Helix (TH) model has been highlighted as the main driver to fill this gap. Providing an exploration of the fundamental conditions and contextual sensitivity that hinder university-industry linkages, this paper suggest the ideal TH model framework to fill the gap and provide a solid basis by considering institutionalism perspective in the Malaysia context. The evolutionary perspective stipulates better understanding of overlay in communication and gap between the Government, University and Industry to reshape the Knowledge Talent pool systems to fill the gap in contributing to the transition of a hybrid TH culture-taking...
The financial industry has been a competitive industry as financial institutions are providing al... more The financial industry has been a competitive industry as financial institutions are providing almost similar products and services. This results them in competing based on service quality. In addition to that, the fast evolution in technology has cause Fintech application mobile to be introduced in Malaysia. Thus, this research will look into the several factors affecting customer satisfaction in Malaysia where ease of use, Security & Privacy, Information Presentation, Convenience and Lastly Service Quality will be taken into account by applying variable associated to the integration Theory of Dissonance, Assimilation and Contrast. This paper is a quantitative study where data are collected through online questionnaires. The results of the Pearson correlation analysis have shown that Security and Privacy (SP) is the strong influential factor of customer satisfaction towards Fintech mobile payment services followed by Service Quality (SQ), Information Presentation (IP) and Ease of U...
The E-wallet Usage as an Acceptance Indicator on Financial Technology in Malaysia
In the era of Industrial Revolution 4.0 (IR 4.0) the remarkable growth of technology such Financi... more In the era of Industrial Revolution 4.0 (IR 4.0) the remarkable growth of technology such Financial Technology (Fintech) has skyrocketed to popularity. The widespread use of Fintech such e-wallet is becoming inevitable. The emergence of technology in finance has fuelled interest in how e-wallet usage become an indicator of Fintech's acceptance among Malaysian users. Few studies in technology acceptance have explicitly addressed the acceptance of replacement technologies but limited studies have been done among Malaysian e-wallet users. Furthermore, as the user adoption has a crucial role for a success and effective implementation of this technology, there is a need to assess user acceptance. In response, researchers tested the applicability of Technology Acceptance Model (TAM) to further explore the factors influencing the acceptance of e-wallet among Malaysian users. A quantitative study adopted using questionnaires. These findings suggest an extension of the TAM model for conv...
The concept of cryptocurrency, as part of the digital currency phenomena has been around since 19... more The concept of cryptocurrency, as part of the digital currency phenomena has been around since 1998 but world-wide adoption only started after the birth of Bitcoin. Financial technology or Fintech is a term used to describe the technological innovation in the financial sector; has seen various major breakthroughs over the past decade, and Bitcoin was right at the center stage. Clearly, a lack of public trust on financial systems after the global financial crisis which describes to the financial crisis of 2007-2008 which started from the subprime mortgage market in the U.S has given cryptocurrency an opportunity to enter the market. Since then, the industry has been growing at a rapid pace driven by increasing acceptance, greater media coverage, sustained inflows, initial coin offering 3 (ICO) frenzy and increased transaction capacity. This study aims to fill the gap by providing insight into the world of cryptocurrency from a Chinese investment perspective. The findings will help th...
Fintech is touted as a new paradigm in which information technology is driving thetransformation ... more Fintech is touted as a new paradigm in which information technology is driving thetransformation and innovation in the financial services industry. Fintech is evolving at a rapid speed, driven by favorable regulation, information technology and led by the consumer’s acceptance and adoption whose keen for cost reduction and improved quality of financial services. This paper conducted a descriptive analysis on consumer acceptancetowardspayment-type Fintech service by applying variables associated with Technology Acceptance Model and Diffusion of Technology. In addition, it analyzed the determinants of payment-type Fintech service adoption among Malaysian’s mobile user and the causal relationship between variables towards consumer decision in adopting payment-type Fintech service. Quantitative research and descriptive research are utilized.The outcome indicates all variable are significant except perceived ease of use and social influence.
Emotional intelligence is the key to control one's emotion. It is the capacity to monitor own as ... more Emotional intelligence is the key to control one's emotion. It is the capacity to monitor own as well as others emotions. It is a type of social intelligence that involves the ability to monitor one's own as well as others emotions, to discriminate among them and to use this information to guide one's thinking and action. Emotional intelligence helps students to study other emotions, to regulate their own emotions to be more successful. The capability to recognize other emotions is the potentiality for an individual to become successful in life. Selfawareness, self-regulation, self-motivation, social awareness and, social skill are the five stages in designing emotional intelligence. In academic field achievement requires emotional intelligence. Positive emotions increase life satisfaction by building resilience and Emotional Intelligence has facilitator effects on performance. Basing on this idea, the present study aims at investigating the co relational relationship exist in two variables i.e. emotional intelligence and academic performance of final year students of training college, Sambalpur (N=50). All the subjects are in age group of 20-22 years. A five-point scale of emotional intelligence will be administered to test the hypothesis. The hypothesis of the study is that there is a positive relationship between academic excellence and high emotional intelligence. The findings reveal that the highly emotional intelligent students have more academic achievement. Relevance of the investigations will focus on the positive steps to groom girl teacher-students with emotional intelligence for better development.
International Journal of Engineering & Technology, 2018
The Talent is viewed as a competitive issue. Meanwhile, Knowledge Talent is indeed required for s... more The Talent is viewed as a competitive issue. Meanwhile, Knowledge Talent is indeed required for shaping an innovative ecosystem sphere. Malaysia is still fighting the “Knowledge Talent” war due to the rising talent and skill gap between available graduates and industries’ demands. Profound collaboration between the Government, University and Industry known as Triple Helix (TH) model has been highlighted as the main driver to fill this gap. Providing an exploration of the fundamental conditions and contextual sensitivity that hinder university-industry linkages, this paper suggest the ideal TH model framework to fill the gap and provide a solid basis by considering institutionalism perspective in the Malaysia context. The evolutionary perspective stipulates better understanding of overlay in communication and gap between the Government, University and Industry to reshape the Knowledge Talent pool systems to fill the gap in contributing to the transition of a hybrid TH culture-taking...
Uploads
Papers by nadia salleh