The intention of this research project is to investigate the behavioral intention to adopt mobile payment among Malaysians versus Foreigners in Klang Valley in Malaysia. Hence, mobile payment service providers and marketers need to find out the factors that will influence the intention to adopt mobile payment. In order to give a better insight or understanding to the mobile payment, mobile payment service providers and marketers on what factors will influence the adoption of mobile payment among Malaysians versus Foreigners in Klang Valley.
Finally, I wish that this research will give the readers a better understanding of the behavioral intention to adopt mobile payment among Malaysians versus Foreigners in Klang Valley, Malaysia. Purpose: The purpose is to investigate the factors that may influence the behavioral intention to adopt mobile payment among Malaysians versus Foreigners in Klang Valley, Malaysia. Performance expectation, effort expectation, subjective norm, convenience and trust were chosen as independent variables while the behavioral intention of mobile payment was adopted as the dependent variable.
Apart from this, there may be other possible factors that significantly affect the behavioral intention to adopt mobile payment among Malaysians and foreigners in the Klang Valley. Originality/Value: This study is relevant to mobile payment service providers and marketers as they have a better insight into an individual's behavioral intention to adopt mobile payment.
RESEARCH OVERVIEW
- Chapter Introduction
- Research Background
- Research Problem
- Research Objective
- General Objective
- Specific Objective
- Research Question
- Scope of the Study
- Significant of the Study
- Definition of Term
- Organisation of the Study
- Chapter Conclusion
To examine the factors that may influence the behavioral intention to adopt mobile payment between Malaysian vs foreigner in Klang Valley, Malaysia. Does performance expectation positively influence behavioral intention in mobile payment adoption among Malaysians versus foreigners in Klang Valley, Malaysia. Does the expected effort have a positive impact on behavioral intention in mobile payment adoption between Malaysians versus foreigners in Klang Valley, Malaysia.
Does subjective norm positively influence behavioral intention to adopt mobile payments among Malaysians versus foreigners in the Klang Valley, Malaysia. Does trust positively influence behavioral intention on mobile payment adoption among Malaysians versus foreigners in Klang Valley, Malaysia. Does convenience positively influence behavioral intention to adopt mobile payments among Malaysians versus foreigners in the Klang Valley, Malaysia.
This study aimed to identify the factors that may influence the intention to adopt mobile payment among Malaysians versus foreigners in Klang Valley Malaysians. It broadens the understanding of the theory in explaining the behavioral intention to adopt mobile payment.
LITERATURE REVIEW
- Introduction
- Underlying Theories
- Review of Literature
- Behavioural Intention to Adopt (BI)
- Performance Expectancy (PE)
- Effort Expectancy (EE)
- Subjective Norm
- Trust
- Convenience
- Hypothesis Development
- Proposed Conceptual Framework
- Chapter Conclusion
This chapter included problem statement, research objectives, research questions, significance of the study, scope of the study, definition of terms, organization of the study and conclusion.
METHODOLOGY
Introduction
Research Design
Sampling Design
- Target Population
- Sampling Frame and Sampling Location
- Sampling Elements
- Sampling Technique
- Sample Size
Data Collection Methods
- Primary Data
Research Instrument
- Questionnaire Design
- Pre-Test and Pilot Test
Construct Measurement
- Origin of Constructs
- Scale of Measurement
- Nominal Scale
- Ordinal Scale
- Likert Scale
Data Processing
- Questionnaire Checking
- Prevent Missing Value
- Data Editing
- Data Coding
- Data Transcribing
- Data Cleaning
Data Analysis
- Scale Measurement
- Reliability Test
- Normality Test
- Descriptive Analysis
- Inferential Analysis
- Pearson Correlation Analysis
- Multicollinearity Test
- Multiple Regression Analysis
- Independent Sample T-Test
Chapter Conclusion
DATA ANALYSIS
Introduction
Reliability Analysis
Descriptive Analysis
- Data Screening
- Respondent Demographic Profile
- Gender
- Age
- Nationality
- Education qualification
- Employment status
Descriptive Statistic
Inferential Analysis
- Pearson Correlation Analysis
- Multiple Regression Analysis
- Independent Sample T-Test
- Hypothesis Testing
Chapter Conclusion
DISCUSSION AND CONCLUSION
Introduction
In addition, this chapter will discuss implications, limitations, and recommendations for future research.
Summary of Statistical Analysis
- Reliability Test (Cronbach’s Alpha)
- Descriptive Analysis
- Pearson Correlation Analysis
- Multiple Regression Analysis
- Independent Sample T-Test
In addition, the survey consisted of two major groups, namely Malaysian and foreigner, there are 222 respondents are Malaysian, accounting for 56.5%, and 171 respondents are foreigner, accounting for 43.5%. Based on the educational qualification, the majority of the respondents hold a degree (undergraduate), there are 240 respondents who hold a degree and account for 61.1%, followed by 89 respondents who hold a master's degree (postgraduate) respondents are degree holders respondents are primary/high school holders. respondents are followed in other levels of education such as foundation, A-level, etc. (4.8%). The relationship between PE, EE, SN, TR, CV and the behavioral intention to adopt mobile payment (BI) can be measured by Pearson Correlation.
Each independent variable is positively related to the behavioral intention to adopt mobile payment (BI) at a significant level of 0.01. To determine the strength of association of these five independent variables with behavioral intention to adopt mobile payment based on Asuero et al., (2006): correlation coefficient rules of thumb, PE, EE and CV are highly correlated with BI. First, pooled samples, consisting of Malaysian and foreign respondents, are used to identify the impact of PE, EE, SN, TR and CV on mobile payment adoption.
The purpose of dividing the sample into two groups is to test which factors have a significant influence on Malaysians and foreigners. The following equations represent three different regression models for the total sample, Malaysian sample and expatriate sample. Based on the total sample result in Table 4.10 in Chapter 4, it showed that the R-squared value is 0.744, which means that 74.4% variance of the behavioral intention to use mobile payment among Malaysians and foreigners can be explained by the independent variables (PE, EE, SN, TR, CV).
In contrast, only SN (ß=0.032, t=1.212, p-value>0.05) has no significant influence on the behavioral intention to adopt mobile payment among Malaysians and foreigners (BI) as the p-value is more than 0.05. In contrast, SN (ß=-0.007, t=-0.169, p-value>0.05) is the only independent variable that has no significant effect on behavioral intention to adopt mobile payment among Malaysians (BI) because the p-value is more than 0.05. The result in Table 4.10 in Chapter 4 proved that the R-squared value is 0.780, which implies that 78% of the variation in behavioral intention to adopt mobile payment among foreigners (BI) can be explained by the independent variables (PE, EE, SN, TR, CV).
An independent sample t-test was used to test for a significant difference between Malaysian and Foreigner in how they perceived PE, EE, SN, TR, CV and BI. See the result in Table 4.13 in Chapter 4 and we can conclude that there is a significant difference between Malaysian and Foreigner perceived on SN and TR. On the other hand, there is no significant difference between Malaysian and foreigner perceived on PE, EE, CV and BI.
Discussions of Major Findings
- Performance Expectancy and Behavioural Intention
- Effort Expectancy and Behavioural Intention
- Subjective Norm and Behavioural Intention
- Trust and Behavioural Intention to Adopt Mobile Payment97
- Malaysian and Foreigners’ perception of behavioural
H5a: There is a significant positive relationship between convenience and behavioral intention to adopt mobile payment among Malaysians and foreigners in Klang Valley, Malaysia. H1b: There is a significant positive association between performance expectation and behavioral intention to adopt mobile payment among Malaysians in Klang Valley, Malaysia. H2b: There is a significant positive association between effort expectancy and behavioral intention to adopt mobile payment among Malaysians in Klang Valley, Malaysia.
H4b: There is a significant positive relationship between trust and behavioral intention to adopt mobile payment among Malaysians in Klang Valley, Malaysia. H3c: There is a significant positive relationship between subjective norm and behavioral intention to use mobile payment among foreigners in Klang Valley, Malaysia. H4c: There is a significant positive relationship between trust and behavioral intention to adopt mobile payment among foreigners in Klang Valley, Malaysia.
H5c: There is a significant positive relationship between convenience and behavioral intention to adopt mobile payment among Foreigners in Klang Valley, Malaysia. Therefore, these factors may influence the respondent's perception of the behavioral intention to adopt mobile payment. Performance expectancy (PE) is the most important factors influencing the behavioral intention to adopt mobile payment among Malaysians and Foreigners and Foreigners.
Next, the expected effort (EE) is the most influential factor in the behavioral intention to adopt mobile payment among Malaysians. Section C: Behavioral intention to adopt mobile payment among Malaysians versus foreigners in Klang Valley, Malaysia.
Contribution of the Study
Limitation of Study
Recommendations for Future Study
Due to limited time, only 393 valid Malaysian and foreign respondents were collected in the Klang Valley, Malaysia. Future researchers should increase the sample size of respondents to better represent the entire population of Malaysians and foreigners in Malaysia, not just the Klang Valley. By increasing the sample size, the analyzed results can provide a macro view of the overall behavioral intention of Malaysians and foreigners towards mobile payment adoption.
One of the limitations of this study is that it considers only five independent variables that were used to examine whether it has a significant relationship with the behavioral intention to adopt mobile payment among Malaysians and foreigners. Future researchers should investigate more factors that have the potential to influence mobile payment behavioral intentions among Malaysians and foreigners. For example, (Adelyn et al., 2014) recommend that habit and hedonic motivation have the potential and are able to influence behavioral intention to adopt mobile apps.
Chapter Summary
This study also revealed that EE is the most important factor for Malaysian samples for the behavioral intention to adopt mobile payment. Intention to adopt mobile payment: An analysis in light of the unified theory of acceptance and use of technology (UTAUT). International Journal of Social Sciences and Economic Research GAMIFICATION IMPACT ON MOBILE PAYMENT ACCEPTANCE IN HO CHI MINH CITY, VIETNAM.
Evaluating the role of trust in consumer acceptance of mobile payment systems: An empirical analysis. Computers in Human Behavior. An empirical investigation of the factors influencing the intention to use mobile payment. 2014) Modeling the Adoption of a Mobile Payment System for Payment of Examination Fees in Major Cities of Tanzania.
The title of the survey is “BEDUCTIVE INTENTION TO MAKE MOBILE PAYMENT AMONG MALAYSIAN VS FOREIGNER IN KLANG VALLEY, MALAYSIA”. Please indicate to what extent these statements reflect your behavioral intention to adopt/use mobile payment in the future.
Questionnaire
Frequency Distribution Table
Descriptives Analysis
Reliability Analysis
Pearson Correlation Analysis
Multiple Regression Analysis (Pooled Sample)
Multiple Regression Analysis (Malaysian and Foreigner Sample) 145
