Intention of e-payment services among elderly group in Kota Bharu, Kelantan

The purpose of this study is to explore the determinants of e-payment service adoption among the elderly groups in Kota Bharu, Kelantan. As technology continues to reshape financial transactions, it is critical to understand the factors that influence elderly group's willingness to adopt e-payment services. The study targeted the elderly group in Kota Bharu, Kelantan, with a sample size of 380 participants. Non-probability sampling techniques and quantitative data collection methods are used in this study to gain insights into elderly group’s attitudes and perceptions towards e-payment services. Data analysis included descriptive analysis to provide a comprehensive overview of the sample, reliability analysis to ensure consistency of the measurement tools, and Pearson correlation analysis to look over the relationships between variables. The findings reveal a significant relationship between the dependent (intention of e-payment services adoption) and independent variables (self-efficacy, perceived risk, effort expectancy and anxiety) indicating a significant impact on the intention of e-payment services adoption among the elderly group. Overall, this study provides important insights into promoting the adoption of e-payments among elderly groups, providing guidance for policymakers, financial institutions, and technology developers to create inclusive and advanced financial solutions tailored to the unique needs of this population.