Investigate the factors of debit card usage among students in Universiti Malaysia Kelantan

Nowadays, the use of debit cards among university students has become increasingly common. This phenomenon does not only undermine the advancement of technology, but it also has a significant impact on how students manage their own resources. Although debit cards offer various benefits, they also impose certain restrictions that every university student must adhere to. This study's primary goal is to find out how the use of debit cards is correlated with safety, service quality, lifestyle, and facilities. The study was conducted empirically using the Unified Theory of Acceptance and Use of Technology 1 (UTAUT 1) model to study factors of debit card usage among students in University Malaysia Kelantan. Quantitative methods were employed to gather data through survey questionnaires; 351 questionnaires in total were collected. The data analysis was done using SPSS techniques, such as Spearman Correlation Analysis, Descriptive Testing, and Reliability and Validity Tests. The outcome demonstrates the strong relationship between debit card adoption and lifestyle, facilities, safety, and service quality. the researcher recommends expanding the study's focus by investigating a bigger sample size of participants who use debit cards at UMK. As a result of this inquiry, just a portion of UMK students is found to be responders, and the research's sample size is limited to one university. Future researchers should conduct studies at surrounding universities to increase the sample size. In later investigations, a bigger population size may help the researcher obtain more trustworthy results and generalize in a broader context. The study's conclusions demonstrated that factors safety, service quality, lifestyle and facilities are a factor of debit card usage among students in Universiti Malaysia Kelantan.