The Study on The Factors Affecting the Intention to Continuously Use Financial Technology (Fintech) Among Universiti Malaysia Kelantan (UMK) Students Post COVID-19

Abstract

Malaysian financial institutions have started shifting towards adopting fintech, and the COVID-19 health mcrisis has provided new opportunities for digital financial services to accelerate financial inclusion. Consumers are shifting from cash-based to cashless transactions because of the development of financial services such as e- wallets. The purpose of this study is to investigate the factors affecting the intention to continuously use financial technology (Fintech) among Universiti Malaysia Kelantan (UMK) students post-COVID-19. In this study, the theories of Technology Acceptance (TAM) and Unified Theory of Adoption and Use of Technology (UTAUT) were used. A total of 350 questionnaires were collected from students at the University of Malaysia Kelantan (UMK). The result shows that there is a significant relationship between the independent and dependent variables. This is because the p-value is less than 0.001, indicating that there is a significant relationship between the independent and dependent variables. The independent variables are trust, quality administrative services, and data security and privacy data, while the dependent variable is the intention to continuously use Fintech post-COVID-19. Therefore, all variables significantly affect the intention to continuously use financial technology (Fintech) among Universiti Malaysia Kelantan (UMK) students post-COVID-19.