| 摘要: | 支付系统已建立了好几年，早于2019年COVID-19疫情的爆发。这一推动力源于马来西亚中央银行发布的2010-2020年金融部门蓝图，强调采纳新的支付方法以减少支票和货币票据的发行，倡导整合移动支付系统和无现金交易。马来西亚中央银行在移动支付系统的发展中的积极参与反映了对迅速变化的技术格局和环境考虑的认识。许多中央银行预期这些变革将增强商业和金融交易的效率，逐渐用电子货币（e-money）和卡替代现金，因为人们改变了他们的交易偏好。
移动支付普及的趋势在2019年底和2020年初与COVID-19疫情的出现同时加速，从此重塑了马来西亚人的生活方式。与此同时，政府策划引入各种激励措施以鼓励无接触交易，在疫情期间移动钱包交易激增。
本研究旨在分析影响马来西亚移动支付使用的多种因素，并为政府提供增强激励的建议，从而加速向无现金社会的过渡。这种转变不仅符合环境保护的目标，还减少了与纸币处理相关的病毒传播风险。
基于移动技术接受模型和计划行为理论的理论基础，该研究深入探讨了易用性、实用性、感知利益、社会规范、政府支持、感染恐惧、信任、态度和感知行为控制等因素，这些因素共同促进了马来西亚对移动钱包使用持积极态度。
Payment systems have been established for several years, predating the onset of the COVID-19 pandemic in 2019. This impetus originated with the Central Bank of Malaysia's release of the Financial Sector Blueprint 2010-2020, underscoring the imperative of adopting new payment methods to diminish the issuance of checks and currency notes, advocating for the integration of mobile payment systems and cashless transactions. The active involvement of the Malaysian Central Bank in the development of mobile payment systems reflects an awareness of the swiftly evolving technological landscape and environmental considerations. Many central banks anticipate that these transformations will enhance the efficiency of commercial and financial transactions, gradually displacing cash with electronic money (e-money) and cards as people shift their transactional preferences.
The trend toward widespread adoption of mobile payments gained momentum towards the end of 2019 and early 2020, coinciding with the emergence of the COVID-19 pandemic, and has since reshaped the lifestyle of Malaysians. Concurrently, the government strategized to introduce various incentives to encourage contactless transactions, leading to a surge in mobile wallet transactions during the pandemic.
This study aims to analyze the diverse factors influencing mobile payment usage in Malaysia and offer recommendations to the government for enhancing incentives, thus expediting the transition to a cashless society. This shift not only aligns with environmental conservation goals but also mitigates the risk of virus transmission associated with the handling of paper notes.
Grounded in the theories of the mobile technology acceptance model and the theory of planned behavior, the study delves into factors such as Ease of Use, Usefulness, Perceived Benefits, Social Norms, Government Support, Fear of Infection, Trust, Attitude, and Perceived Behavioral Control, all of which contribute to fostering a positive attitude toward mobile wallet usage in Malaysia. |
