Determinants of online takaful purchase behaviour among M40 income earners

Delivering a Takaful product online aims to boost competitive growth in the Islamic insurance industry, which
was based on Takaful firms' ability to prosper in the highly developed insurance market. However, Takaful or
insurance coverage ownership was 22% of Malaysians in the M40 income earners. There were numerous
significant determinants that contribute to online takaful purchase behaviour among M40 income earners. The
goal of this study is to identify the relationship between self-efficacy, social influence, and online takaful
purchasing behaviour among M40 income earners. The data for this study were collected quantitatively using a
set of questionnaires distributed evenly among 384 respondents in Kota Bharu, Kelantan, via Google Form. The
data was analysed using the Statistical Package for Social Science (SPSS). According to the findings of the
questionnaire, online takaful purchase behaviour among M40 income earners is positively correlated with selfefficacy and social influence. At the end of this study, the researcher was mention that all the determinants have
the impaction towards online takaful purchase behaviour among M40 income earners. This study also
emphasised the implications of the findings for future research as well as the study's limitations.