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p-Index From 2021 - 2026
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This Author published in this journals
All Journal International Journal of Tourism and Hospitality in Asia Pasific Journal of the Community Development in Asia International Journal of Accounting & Finance in Asia Pasific Asia Pacific Journal of Management and Education
Lay Hong Tan
Universiti Teknikal Malaysia Melaka
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Other

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 1 
Buy Now Pay Later (BNPL) Usage and Its Impact on Debt Management Among Malaysian University Students Lay Hong Tan; Ana Solehah Binti Mohd Yusof; Alyssa Ling Ling Ong; Amedee A/P Suthib; Amirul Aniq Ilham bin Rosmira; Daisy Mui Hung Kee
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.v9i1.4381

Abstract

The increased use of Buy Now Pay Later (BNPL) among Malaysian university students has sparked interest in the aspect of financial literacy and the ability to sustain debt. This paper explores the relationship between BNPL usage and level of debt?management among Malaysian university students. Our research designed a quantitative?approach was used through an online survey conducted among the active BNPL user of Malaysian university students. Census results from 150 participants were analyzed to test the purposed hypotheses. The results indicate that students perceived financial management capability, attitude and perceived behavioral control have significant?effects on their behavior toward BNPL services. Low?levels of financial literacy, combined with poor debt repayment behavior, also contribute to higher levels of student debt and higher levels of financial stress. In summary, this study demonstrates that BNPL?services offer access to credit for Malaysian university students but at the same time create financial risk due to their failure in financial literacy. Hence universities and loan institutions should encourage financial literacy to prevent financial stress among?students
How Does Social Media Contribute to Improve Business Performance for Streaming Service? Lay Hong Tan; Anurag Hazarika; Nur Farah Alyaa Ahmad Tamizi; Nur Arniesya Ahmad Nazri; Nur Athirah Mat Fuzi; Pranjal Saxena; Nur Farhana Mohd Affandi
Asia Pacific Journal of Management and Education (APJME) Vol 7, No 2 (2024): July 2024
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/apjme.v7i2.3294

Abstract

In a rapidly evolving technological landscape, organizations are constantly seeking innovative strategies to enhance performance and connect with their target audience. One such platform gaining traction is TikTok, a social media network particularly popular among young people. Recognizing its potential, businesses are exploring how TikTok can foster brand awareness and cultivate deeper consumer engagement. This study investigates whether factors like internet consumption patterns, social influence on TikTok, perceived value of TikTok content for Netflix, and trust in Netflix as a brand contribute to its performance. Interestingly, through a survey administered to 151 participants, the research suggests that internet consumption is the primary driver, with social influence, perceived usefulness, and trust on TikTok not having a statistically significant impact on Netflix's performance. This study suggests that for Netflix, user engagement with its content is the crucial factor on TikTok, not relying on influencer marketing or specific content value perceptions. Future research should explore content formats, user interaction strategies, and audience segmentation techniques to maximize user engagement with Netflix content on the platform.
Riding the Wave of Satisfaction: Exploring Service Quality and Customer Satisfaction in Ride-Hailing Services Lay Hong Tan; Gai Sin Liem; Steven Sing; Vivian Sim; Wei Siang Sim; Siti Nur Allisya Nurulzaman Binti Abdull; Siti Nursyakiroh Binti Mohamed Ridzuan; Anees Janee Ali; Daisy Mui Hung Kee
International Journal of Tourism and Hospitality in Asia Pasific Vol 8, No 2 (2025): June 2025
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijthap.v8i2.4010

Abstract

In Malaysia, ride-hailing services like Grab Car increasingly supplement public transport. This study examines how five service quality dimensions—tangibility, empathy, responsiveness, reliability, and assurance—affect customer satisfaction. Using a quantitative method, data were collected via an online survey of 100 respondents and analyzed through regression analysis. The results show that perceived service reliability (? = 0.345, p 0.001) and assurance (? = 0.439, p 0.001) significantly and directly influence customer satisfaction, explaining 50.3% of the variance (R² = 0.503). Empathy (? = 0.517) and responsiveness (? = 0.355) influence satisfaction indirectly through reliability, while tangibility (? = 0.415) and responsiveness (? = 0.365) do so through assurance. However, tangibility does not significantly affect reliability, and empathy does not influence assurance. These findings suggest that improving reliability and assurance, supported by other service dimensions, can enhance customer satisfaction. This research offers practical insights for public transport and ride-hailing services to strengthen service quality and increase customer loyalty.
Consumer-Driven Growth: Analyzing the Relationship Between Brand Loyalty and Consumer Behavior in the Ice Cream and Tea Industry Gan Kia Hui; Lay Hong Tan; Qi Zhang; Jia Hui Zhang; Shu Kun Zhang; Ke Xian Zhao; Daisy Mui Hung Kee
International Journal of Tourism and Hospitality in Asia Pasific Vol 8, No 1 (2025): February 2025
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijthap.v8i1.3830

Abstract

As the economy grows and quality of life improves, there is a noticeable uptick in beverage consumption among people. Amidst numerous milk tea brands, MIXUE Ice Cream Tea distinguishes itself with its prudent capital management, swiftly expanding its market across various regions of China and overseas. This study aims to delve into the relationships between different aspects of consumer behavior (preferences, purchase intention, service experiences) and brand loyalty towards MIXUE Ice Cream Tea, providing valuable insights for enhancing customer retention and brand competitiveness. The findings suggest that perceived quality, promotions, brand services, and consumer preferences have little to no significant impact on brand loyalty, highlighting that the other factors, like affordability and customer engagement, maybe more influential. These results challenge traditional views and imply that MIXUE should adopt a balanced approach to brand strategy, focusing on deeper customer connections rather than solely relying on quality or pricing strategies. Additionally, this study endeavors to offer valuable insights for other players in the tea industry, potentially shaping their operational strategies and contributing to the overall market development.
Influencer Marketing and Consumer Purchase Intentions in the Fast Fashion Industry Jing Foo Yee; Padmalini Singh; Lay Hong Tan; Jin Cong Yap; Xin Yuan Xiong; Zi Yang Xie; Quan Cheng Yao; Deepika V; Daisy Mui Hung Kee
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.v9i1.4349

Abstract

The rapid growth of social media has intensified the use of influencer marketing in the fast fashion industry, reshaping how consumers form purchase intentions. Despite its widespread application, empirical evidence on influencer effectiveness in the Malaysian fast fashion context remains limited. This study aims to examine the influence of key influencer attributes: trustworthiness, credibility, expertise, and familiarity, on consumer purchase intention, using Padini Holdings Berhad as a case study. A quantitative research design was employed, with data collected from 150 respondents through a structured questionnaire. Multiple regression analysis was conducted to test the proposed relationships. The results indicate that the research model explains 74.8% of the variance in purchase intention (R² = 0.748). Familiarity of the influencer emerged as the strongest predictor (? = 0.414, p 0.01), followed by expertise (? = 0.258, p 0.01) and credibility (? = 0.218, p 0.05). In contrast, trustworthiness showed a positive but statistically insignificant effect. These findings suggest that emotional connection, perceived knowledge, and credibility play a more critical role than trustworthiness in driving purchase intention within the fast fashion sector. Practically, the study highlights the importance of selecting influencers who are familiar, knowledgeable, and relatable to enhance marketing effectiveness.
Co-Authors Alyssa Ling Ling Ong Amedee A/P Suthib Amirul Aniq Ilham bin Rosmira Ana Solehah Binti Mohd Yusof Anees Janee Ali Anurag Hazarika Daisy Mui Hung Kee Daisy Mui Hung Kee Deepika V Gai Sin Liem Gan Kia Hui Jia Hui Zhang Jin Cong Yap Jing Foo Yee Ke Xian Zhao Nur Arniesya Ahmad Nazri Nur Athirah Mat Fuzi Nur Farah Alyaa Ahmad Tamizi Nur Farhana Mohd Affandi Padmalini Singh Pranjal Saxena Qi Zhang Quan Cheng Yao Shu Kun Zhang Siti Nur Allisya Nurulzaman Binti Abdull Siti Nursyakiroh Binti Mohamed Ridzuan Steven Sing Vivian Sim Wei Siang Sim Xin Yuan Xiong Zi Yang Xie