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Journal : Journal of the Community Development in Asia

Touching the Future: Drivers of E-Wallet Adoption in Malaysia Ibrahim, Haslindar; Kuek, Thiam Yong; Kumar, Owenish A/L Shashi; Ong, Zi Jin; Ooi, Zhi Ling; Peh, Jia Xuan; Yhee Ho, Penny Shuen; Ali, A. J.; Kee, Daisy Mui Hung
Journal of The Community Development in Asia Vol 8, No 3 (2025): September 2025
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jcda.v8i3.4169

Abstract

Touch ‘n Go is a Malaysian digital wallet app that offers secure, convenient and cashless transactions for users. It allows people to make payments through their smartphones anywhere in the country, including retail stores, restaurants and transportation hubs. Thus, this paper aims to study the factors that affect the adoption of e-wallets in Malaysia. In our research, a survey will be conducted using Google Forms for data collection. We have sent a survey to our target respondents, people who are using Touch ‘n Go e-Wallet. Our research aims to find out whether perceived convenience, perceived security, consumer attitudes and social influence will affect the intention of consumers to use Touch ‘n Go e-Wallet. Our findings show that perceived convenience and customer attitudes have a significant positive impact on the adoption of e-wallets while perceived security and social influence play a minimal role only. These findings highlight the importance of usability, user experience and trust-building strategies. Thus, Touch ‘n Go Sdn Bhd may improve the adoption of e-wallets among Malaysians in the future by focusing on these aspects.
Determinants of Trust in E-Wallet Security: A Study Among Malaysian Undergraduates Effendi, Azura Abdullah; Ibrahim, Haslindar; Mathur, Garima; Bhurhanuddeen, Muhammad Faiz Ameen Bin; Azahari, Muhammad Arif Bin; Abdul Rahman, Muhammad Akram Bin; Azizan, Muhammad Hasif Bin; Kee, Daisy Mui Hung
Journal of The Community Development in Asia Vol 9, No 1 (2026): January 2026
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jcda.v9i1.4335

Abstract

This study examines the key factors influencing trust in e-wallet security among Malaysian undergraduate students. Using an online survey, data were collected from undergraduates across various universities in Malaysia to identify determinants such as perceived security, privacy protection, user interface quality, trust in service providers, regulatory assurance, and prior user experiences. The findings reveal that students’ trust in e-wallet platforms is strongly shaped by their perceptions of data security, platform transparency, and awareness of cybersecurity practices. Platforms offering clear encryption mechanisms, biometric authentication, and prompt responses to fraud incidents tend to generate higher levels of user trust. Despite the widespread adoption of digital payment systems, concerns related to data breaches and the misuse of personal information remain significant. The study underscores the need for continuous improvements in security features, enhanced user education on digital safety, and transparent policy frameworks to strengthen trust in e-wallet systems. These findings offer valuable insights for policymakers, financial institutions, and application developers seeking to foster a secure, reliable, and inclusive digital payment environment for young users in Malaysia, thereby supporting broader goals of digital inclusion and community developmentDeterminants of Trust in E-Wallet Security: A Study Among Malaysian Undergraduates
Co-Authors Abdul Hamid, Nur Amisha Nadia Abdul Rahim, Noor Fareen Abdul Rahman, Muhammad Akram Bin Abimanyu, Naufal Abu Bakar, Nurul Nazirah Syed Ali, A. J. Ali, Anees Jane Ananda, Durgahsineey A/P Azahari, Muhammad Arif Bin Azamuddin, Nur Azera Azizan, Muhammad Hasif Bin Baliyan, Meenu Baochen, Li Bhurhanuddeen, Muhammad Faiz Ameen Bin Binti Mohamad Rasyid, Rafiqah Najwa Binti Mohd Farhan, Qistina Chaudhary, Vikrant Chauhan, Shradda Chien Ng, Wei Chok, Colyin Choudhary, Devesh Ee, Chin Guan Effendi, Azura Abdullah Fa, Xin Yi Fadzil, Sarah Qamarina Meor Ahmad Guan Ee, Chin Gulati, Chanda Guowei, Li Gupta, Somya Hui Xin, Olyviana Lu Hui, Gan Kia Hui, Saw Jia Hung Kee, Daisy Mui Jain, Akshat Jie, Lee Sze Kamarudin, Riduwan Shah Kee, Daisy Mui Hung Kuek, Thiam Yong Kumar, Owenish A/L Shashi Kushwah, Divya Mahadir, Nur Anisa Najwa Maron, Alif Rayhan Mathur, Garima Mohd Fauzi, Farah Irdina Binti Muralydaran, Roshini A/P Musyaffa, Shidqi Nisak, Nur Alifatun Nor Hazlan, Nurul Sofia Maisara Nuo, Qiu Ong, Zi Jin Ooi, Zhi Ling Pandey, Rudresh Peh, Jia Xuan Priyanka, Kanisetty Putri, Firanda Leiliya Qi Quah, Yan Radzi, Rayhani Syahlah M Rastogi, Shourya Riduan, Rusydina Amirah Mohd Sabeh, Hala Najwan Sangal, Shivansh Shamsuddin, Fatin Natasya Binti Shamsuddin, Nurul Syahira Shan, Gan Li Shanshan, Dong Shinde, Ankita Sambhaji Shun En, Ong Sin, Liem Gai Swami, Sudiksha Syah, Fito Firman Tayal, Nupur Ting, Quek Xin Tunde, Odebunmi Abayomi Wahi Anuar, Nur Aqwa Badrisyia Wen Qiu, Yi Wen, Lee Xin Yhee Ho, Penny Shuen Yi, Sally Poh Jia