Evaluating The Effectiveness of Cashless Society Programme Among University Students In Malaysia

Abstract

This study delves into the adoption of cashless payment methods among Malaysian university students, particularly focusing on evaluating initiatives cashless society programme. The problem underscores the need to address a significant gap in understanding the effectiveness and impact of cashless payment programs among university students in Malaysia, given the pivotal role of universities in shaping young adults' financial technology preferences and behaviours. This research comprehensively assess factors such as social influence, financial literacy, government policies, digital infrastructure, digital security, and perceived usability by utilizing the Unified Theory of Acceptance and Use of Technology (UTAUT). Through a quantitative approach, the research aims to provide empirically grounded insights informing regulatory and policy decisions for advancing financial inclusion and sustainable cashless adoption in Malaysia. This study aims to offer a nuanced understanding of cashless adoption dynamics among students and facilitate the design of targeted interventions promoting a resilient digital financial ecosystem. A suggestion for future research includes longitudinal studies to track cashless adoption trends over time, providing valuable insights for ongoing policy development.

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