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Measurement and structural modelling on factors of islamic payment gateway system among millennial generation in Malaysia

Purpose: This study aims to develop a conceptual model and validate the model using a unified theory of acceptance and use of technology to determine the Determinants of Intention to Use the Islamic Payment Gateway System among the Millennial Generation in Malaysia via a Structural Model. Based...

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Main Authors: Bakri, Mohammed Hariri, Mat Rasid, Ahmad Mujahid, De Mello, Geraldine John Philip, Ismail, Albert Feisal @ Muhd Feisal, Md Razak, Mohamad Idham
Format: Article
Language:English
Published: People and Global Business Association 2023
Online Access:http://eprints.utem.edu.my/id/eprint/27369/2/0047418122023529.PDF
http://eprints.utem.edu.my/id/eprint/27369/
http://gbfrjournal.org/journal.asp
https://doi.org/10.17549/gbfr.2023.28.6.72
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spelling my.utem.eprints.273692024-07-25T09:37:37Z http://eprints.utem.edu.my/id/eprint/27369/ Measurement and structural modelling on factors of islamic payment gateway system among millennial generation in Malaysia Bakri, Mohammed Hariri Mat Rasid, Ahmad Mujahid De Mello, Geraldine John Philip Ismail, Albert Feisal @ Muhd Feisal Md Razak, Mohamad Idham Purpose: This study aims to develop a conceptual model and validate the model using a unified theory of acceptance and use of technology to determine the Determinants of Intention to Use the Islamic Payment Gateway System among the Millennial Generation in Malaysia via a Structural Model. Based on past research, the UTAUT hypothe-sises four variable constructs: performance expectancy, effort expectancy, social Influence, and facilitating factors. These characteristics are predictive of behavioural intent. In terms of the study, the author added a religiosity variable instead of the four recommended moderators. Design/methodology/approach: A total of 303 field tests have been obtained from Malaysian millennial citizens using Islamic Fintech. Before the data is analysed into exploratory factor analysis, preliminary analysis such as normality and multicollinearity test has been conducted. Findings: All constructs, which are performance expectancy, effort expectancy, social Influence, facilitating condition, and behavioural intention with religiosity as the moderating, have no factor reduction, but all constructs identified two components under exploratory factor analysis. Moreover, all construct KMO tests more than 0.50. All constructs met unidimensionality, validity, reliability, and model fitness in CFA. All the requirements for model fit in this study have been achieved. Research limitations/implications: This study has significant consequences, particularly for the existing payment gateway system, which is already entering every area of human lifestyle with the millennial generation being targeted as the native user. Originality/value: This study fills the apparent gap in the existing payment gateway system literature by assessing religiosity as moderating through exploratory factor analysis. People and Global Business Association 2023 Article PeerReviewed text en http://eprints.utem.edu.my/id/eprint/27369/2/0047418122023529.PDF Bakri, Mohammed Hariri and Mat Rasid, Ahmad Mujahid and De Mello, Geraldine John Philip and Ismail, Albert Feisal @ Muhd Feisal and Md Razak, Mohamad Idham (2023) Measurement and structural modelling on factors of islamic payment gateway system among millennial generation in Malaysia. Global Business and Finance Review, 28 (6). pp. 72-94. ISSN 1088-6931 http://gbfrjournal.org/journal.asp https://doi.org/10.17549/gbfr.2023.28.6.72
institution Universiti Teknikal Malaysia Melaka
building UTEM Library
collection Institutional Repository
continent Asia
country Malaysia
content_provider Universiti Teknikal Malaysia Melaka
content_source UTEM Institutional Repository
url_provider http://eprints.utem.edu.my/
language English
description Purpose: This study aims to develop a conceptual model and validate the model using a unified theory of acceptance and use of technology to determine the Determinants of Intention to Use the Islamic Payment Gateway System among the Millennial Generation in Malaysia via a Structural Model. Based on past research, the UTAUT hypothe-sises four variable constructs: performance expectancy, effort expectancy, social Influence, and facilitating factors. These characteristics are predictive of behavioural intent. In terms of the study, the author added a religiosity variable instead of the four recommended moderators. Design/methodology/approach: A total of 303 field tests have been obtained from Malaysian millennial citizens using Islamic Fintech. Before the data is analysed into exploratory factor analysis, preliminary analysis such as normality and multicollinearity test has been conducted. Findings: All constructs, which are performance expectancy, effort expectancy, social Influence, facilitating condition, and behavioural intention with religiosity as the moderating, have no factor reduction, but all constructs identified two components under exploratory factor analysis. Moreover, all construct KMO tests more than 0.50. All constructs met unidimensionality, validity, reliability, and model fitness in CFA. All the requirements for model fit in this study have been achieved. Research limitations/implications: This study has significant consequences, particularly for the existing payment gateway system, which is already entering every area of human lifestyle with the millennial generation being targeted as the native user. Originality/value: This study fills the apparent gap in the existing payment gateway system literature by assessing religiosity as moderating through exploratory factor analysis.
format Article
author Bakri, Mohammed Hariri
Mat Rasid, Ahmad Mujahid
De Mello, Geraldine John Philip
Ismail, Albert Feisal @ Muhd Feisal
Md Razak, Mohamad Idham
spellingShingle Bakri, Mohammed Hariri
Mat Rasid, Ahmad Mujahid
De Mello, Geraldine John Philip
Ismail, Albert Feisal @ Muhd Feisal
Md Razak, Mohamad Idham
Measurement and structural modelling on factors of islamic payment gateway system among millennial generation in Malaysia
author_facet Bakri, Mohammed Hariri
Mat Rasid, Ahmad Mujahid
De Mello, Geraldine John Philip
Ismail, Albert Feisal @ Muhd Feisal
Md Razak, Mohamad Idham
author_sort Bakri, Mohammed Hariri
title Measurement and structural modelling on factors of islamic payment gateway system among millennial generation in Malaysia
title_short Measurement and structural modelling on factors of islamic payment gateway system among millennial generation in Malaysia
title_full Measurement and structural modelling on factors of islamic payment gateway system among millennial generation in Malaysia
title_fullStr Measurement and structural modelling on factors of islamic payment gateway system among millennial generation in Malaysia
title_full_unstemmed Measurement and structural modelling on factors of islamic payment gateway system among millennial generation in Malaysia
title_sort measurement and structural modelling on factors of islamic payment gateway system among millennial generation in malaysia
publisher People and Global Business Association
publishDate 2023
url http://eprints.utem.edu.my/id/eprint/27369/2/0047418122023529.PDF
http://eprints.utem.edu.my/id/eprint/27369/
http://gbfrjournal.org/journal.asp
https://doi.org/10.17549/gbfr.2023.28.6.72
_version_ 1806429018380042240
score 13.211869

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