PERCEIVED SECURITY RISK AND E-PAYMENT ADOPTION IN HIGHER EDUCATION: EVIDENCE FROM UITM STUDENTS
DOI:
https://doi.org/10.55197/qjssh.v6si3.1016Keywords:
perceived security risks, intention to use, actual usage, MySiswa Debit i-CardAbstract
The RHB MySiswa Debit i-Card was introduced to encourage cashless transactions among Malaysian public university students. Despite its benefits, security concerns such as fraud, privacy breaches, and data protection continue to limit its adoption. This study investigates how perceived security risk influences intention to use and actual usage of the card among Universiti Teknologi MARA (UiTM) Puncak Alam students. A quantitative cross-sectional survey from 162 respondents was conducted, with data analyzed via correlation, multiple regression, and Sobel mediation testing. Results reveal significant positive relationships between perceived security risks, intention to use and actual usage; with intention to use fully mediating the relationship between perceived security risks and actual usage behavior. These findings underscore the importance of building user trust through clear communication of security features and targeted awareness campaigns. The study extends adoption theory by integrating perceived security risk and provides actionable insights for enhancing e-payment uptake in higher education settings.
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Copyright (c) 2025 S N SHAIFUL BAHARIN, S H MASRUDI, ZULHAN OTHMAN, N A KEDIN, MOHD FAEEZ SAIFUL BAKHTIAR
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