Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal International Journal of Accounting & Finance in Asia Pasific
Zhaoye Zhu
Universiti Sains Malaysia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
From Cash to Cashless: The Effect of Digital Payment Adoption on Students’ Spending Behaviour in Malaysia and India Kok Ban Teoh; Rudresh Pandey; Letong Zhang; Yoges Ganesamurthi; Zhaoye Zhu; Jiakuo Zhang; Pradeep Kumar Tripathi; Bhaumik Baijnath; Rishabh Patel; Daisy Mui Hung Kee
International Journal of Accounting and Finance in Asia Pasific (IJAFAP) Vol 9, No 3 (2026): October 2026
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijafap.v9i3.5116

Abstract

The rapid adoption of digital payment systems has transformed financial transactions in Malaysia and India, raising concerns about their potential influence on students’ spending behaviour. This study examines the influence of digital payment adoption, security perception, social influence, and consumer habits on spending behaviour. A quantitative approach was employed using an online questionnaire involving 158 respondents from Malaysia and India. Data were analysed using descriptive statistics, Pearson correlation, and multiple regression analysis through SPSS. The results revealed that consumer habits were the only significant positive predictor of spending behaviour (? = 0.703, p .001). Conversely, digital payment adoption (? = ?0.076, p = .267), security perception (? = 0.122, p = .056), and social influence (? = 0.024, p = .711) showed no statistically significant independent effects. These findings highlight the importance of habitual payment practices in shaping spending behaviour. The study contributes to understanding digital financial behaviour and emphasises the need for financial literacy, responsible spending, and effective financial management among university students.
Co-Authors Bhaumik Baijnath Daisy Mui Hung Kee Jiakuo Zhang Kok Ban Teoh Letong Zhang Pradeep Kumar Tripathi Rishabh Patel Rudresh Pandey Yoges Ganesamurthi