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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
Mobile Banking Applications and Customer Satisfaction: Evidence from MAE Users Ibrahim, Haslindar; Pandey, Rudresh; Kamarudin, Riduwan Shah; Radzi, Rayhani Syahlah M; Nuo, Qiu; Ting, Quek Xin; Chauhan, Shradda; Swami, Sudiksha; Kee, Daisy Mui Hung
International Journal of Accounting and Finance in Asia Pasific (IJAFAP) Vol 9, No 1 (2026): February 2026
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijafap.v9i1.4377

Abstract

Mobile Banking a part of financial technologies commonly known as Fintech are getting prominent and capturing their market share rapidly in Malaysia. Fintech services which range from Mobile Banking, Internet Banking, e-Wallet Accounts, ATMs, Debit Credit Cards, Robo Advisers etc are a key concern for financial sector and almost all players of financial sector including Banks are either acquiring fintech application or trying to develop their own. Mobile Banking App MAE is a part of Internet Banking developed by Malayan Banking Berhad (Maybank) to support and acquire Fintech. This study investigates the impact of mobile banking app MAE towards customer satisfaction, focusing on the roles of perceived usefulness, perceived ease of use, and perceived security trust, A quantitative research design was employed, utilizing an online survey distributed to active MAE users, especially USM students. Data were collected from 150 respondents and were analyzed using descriptive statistics and regression analysis in SPSS to test the proposed hypotheses. Our findings reveal that, usefulness and ease of use are the main drivers of user satisfaction with the MAE mobile banking app.