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Adopt or not to Adopt? A Study on Mobile Payment
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Author(s): Sew Tiep Ho (Multimedia University, Melaka, Malaysia), Mei Ling Goh (Multimedia University, Melaka, Malaysia)and Jie Yee Lim (Multimedia University, Melaka, Malaysia)
Copyright: 2026
Pages: 36
Source title:
Contemporary Drivers of Economic Behavior and Digital Transformation
Source Author(s)/Editor(s): Syed Quaid Ali Shah (School of Business and Management, Hong Kong University of Science and Technology (HKUST), Hong Kong)and Syed Emad Azhar Ali (Department of Management, Universiti Teknologi PETRONAS, Malaysia)
DOI: 10.4018/979-8-3373-6701-9.ch009
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Abstract
The development of mobile payment has been a dynamic and transformative journey that has revolutionized the way we make transactions. This study aims to explore the mobile payment adoption amongst Malaysians. Data was collected from a sample of 200 respondents by means of a self-administered google form questionnaires survey. The findings showed that perceived security is positively correlated with perceived trust but negatively correlated with perceived risk. Perceived privacy is also found to be positively influenced by perceived trust and perceived risk. Additionally, perceived trust and perceived risk are positively correlated to the intention to use mobile payment. Nonetheless, there is a negative nexus between perceived benefits and intention to use mobile payment. The results of this study have provided mobile payment service providers, researchers, as well as government and commercial banks, vital information that will assist them to design the strategies which could enhance mobile payment adoption effectively.
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