The use of E-Payment among university students in Kota Bharu

The main purpose of this study is to find out whether university students in Kota Bharu understand the use of e-payment. A personal interview was conducted as primary data, according to the saturated data. The approach used in conducting detailed interviews is based on the interview guidelines that have been set. The data for this study was collected from journal articles and official websites related to e-payment. The results find that the understanding regarding e-payment usage has an impact on the usage of e-payment methods in informants' daily transactions. Besides that, convenience, safety, and financial behaviour have contributed to the decision of university students in Kota Bharu to use e-payment at any online platforms and physical stores around the university. However, financial literacy should be more concerning to Malaysians, especially to the students who have knowledge and easy access to e-payments to avoid aggressive, impulsive buying behaviour. It is concluded that the technological advancement of digital payment has made daily transactions much easier and more convenient for users, which has contributed to the increasing usage of e-payment methods among university students.