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Factors influencing Fintech adoption among Malaysian consumers: the moderating role of Fintech literacy

Mohamad Fazli Sabri et al.

International Journal of Monetary Economics and Finance2025https://doi.org/10.1504/ijmef.2025.148851article
ABDC C
Weight
0.37

What the paper says

This study explores the factors influencing FinTech adoption among various demographic groups in Malaysia, including public and private sector workers, rural residents, and youths. It also examines the moderating role of FinTech literacy using an integrated framework based on systems theory and the unified theory of acceptance and use of technology (UTAUT). Employing a quantitative approach with survey data and structural equation modelling, the findings show that while FinTech literacy improves awareness and access, it may also increase reliance on traditional banking due to security concerns, regulatory uncertainties, and a preference for personalised services. The study reveals a non-linear relationship between financial literacy and FinTech adoption, challenging traditional assumptions about digital finance behaviour. It offers policy recommendations to enhance consumer protection and develop FinTech solutions. The research highlights the need for building digital trust, strengthening security features, and promoting hybrid financial models that merge traditional and digital financial services.

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https://doi.org/https://doi.org/10.1504/ijmef.2025.148851

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@article{mohamad2025,
  title        = {{Factors influencing Fintech adoption among Malaysian consumers: the moderating role of Fintech literacy}},
  author       = {Mohamad Fazli Sabri et al.},
  journal      = {International Journal of Monetary Economics and Finance},
  year         = {2025},
  doi          = {https://doi.org/https://doi.org/10.1504/ijmef.2025.148851},
}

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Factors influencing Fintech adoption among Malaysian consumers: the moderating role of Fintech literacy

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Evidence weight

0.37

Balanced mode · F 0.40 / M 0.15 / V 0.05 / R 0.40

F · citation impact0.16 × 0.4 = 0.06
M · momentum0.53 × 0.15 = 0.08
V · venue signal0.50 × 0.05 = 0.03
R · text relevance †0.50 × 0.4 = 0.20

† Text relevance is estimated at 0.50 on the detail page — for your query’s actual relevance score, open this paper from a search result.