DETERMINANTS OF DEMAND TOWARD MOBILE PAYMENTS: A CASHLESS SOCIETY IN MALAYSIA

Technology innovations bring convenience to humans. Mobile payment is one of the technology innovations which had explosive growth of usage in the business and financial sectors. As a developing country, Malaysia is moving toward a cashless society with several occasions: explosive e-commerce growth and the Covid-19 pandemic. This study seeks to examine the relationship between performance of expectancy, effort expectancy, social influence, facilitating conditions, perceived technology security and intention to use mobile payments. A questionnaire was distributed to respondents online to collect primary data for research analysis The results shows that effort expectancy, social influence, and facilitating conditions significantly influence the intention to use mobile payment. Therefore, this paper serves as a foundation for further refining individual acceptance models for researchers.