Civil Servants Attitude Assignment PDF
Added on 2021-05-13
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THE OTHMAN YEOP ABDULLAH GRADUATE SCHOOL OF BUSINESS (OYAGSB)INDIVIDUAL ASSIGNMENTODMR6013 - BUSINESS RESEARCH METHODSRESEARCH TITLE:THE INFLUENCES OF CIVIL SERVANTS ATTITUDE ON INTENTION TO USE ONLINE LOAN AGGREGATOR PLATFORM: A CASE STUDY OF MYAZZAHRA PORTALSEMESTER: FIRST SESSION 2020/2021 (201)PROGRAMME: MASTER OF BUSINESS ADMINISTRATION (MBA)GROUP NAME: ANGKASA (A)PREPARED FOR: ASSOC. PROF. DR ZAEMAH ZAINUDDINPREPARED BY: NURHANA BINTI ZAHRULLAIL STUDENT ID: 826736DATELINE: 18th APRIL 2021
DECLARATION OF OWN WORKName:NURHANA ZAHRULLAIL Matric No : 826736Title of Research: The Influence of Civil Servants Attitude on Intention to use Online Loan Aggregator Platform I confirm that the above work was solely undertaken by myself and that no help was provided from other sources as those allowed. All sections of the paper that use quotes or describe an argument or concept developed by another author have been referenced, including all secondary literature used, to show that this material has been adopted to support my work.I understand that any false claim for this work will be penalized in accordance with the University regulations.SignatureDate: 4thMarch 2021TABLE OF CONTENTABSTRACT4CHAPTER ONE: INTRODUCTION AND PROBLEMS IDENTIFICATION51.0BACKGROUND OF THE STUDY51.2PROBLEM STATEMENT71.3RESEARCH OBJECTIVES81.4SCOPE OF INVESTIGATION81.5SIGNIFICANCE OF THE STUDY9
1.6FRAMEWORK OF THE STUDY101.7THE TECHNOLOGY ACCEPTANCE MODEL (TAM)10Perceived Ease of Use11Perceived Usefulness11Trust12Attitude towards Using Technology12Behavioral Intention to Use13CHAPTER TWO: THE PAST AND PRESENT: AN OVERVIEW142.1ASSESSING THE PERFORMANCE OF CO-OPERATIVES IN MALAYSIA142.2COOPERATIVES AND MICROFINANCE: ANY REVOLUTION?16CHAPTER THREE: RESEARCH METHODOLOGY183.1hypothesis and research model183.2DATA AND SURVEY INSTRUMENT203.3DATA COLLECTION and analysis21REFERENCES23ABSTRACT With competition from online lenders and web aggregators offering near microloans especially for credit cooperatives are focusing on digital experiences with the development of financial technology (Fintech) in Malaysia give significance impact that will make lending easy and more accessible to The Malaysian Co-operative Movement. Most of financial institutions has been move from a traditional transaction into online transaction. Now, customer can apply a personal financing through online and it replace the conventional way of application form walk in at the counter. As a result, the MyAzZahra site was created to serve
as an online loan aggregator for cooperative credit society unions. To ensure that they meet industry trends, all credit cooperative unions have been gathered into a single platform. The aim of this thesis is to look at Malaysian government servants' attitudes toward using a loan aggregator website. Customer retention and engagement are top priorities for a service company. Rapid developments in the Fintech sector are disrupting the financial services environments, posing both opportunities and challenges for customers and service providers. From artificial intelligence to bitcoin, the Fintech industry is transforming the financial services landscapes, creating both opportunities and challenges for consumers and service providers and regulators alikeKeyword:Online Loan Aggregator, Fintech, Cooperative Credit, Microloans, Civil Servants and Technology Acceptance Model (TAM) CHAPTER ONE: INTRODUCTION AND PROBLEMS IDENTIFICATION1.0BACKGROUND OF THE STUDYNowadays, the financial technology (fintech)has emerged with the aim to improve and automate the conventional process to smooth operations (Chishti & Barberis 2016; Nicoletti et al 2017). Studies by Lee and Shin (2018) explained the use of fintech helps the organizations in their daily operation by utilizing technology advancement and algorithm. Other studies by Kajan (2020), believes that when fintech emerged it applied for back-end operation and being used by financial institutions. Gomber et al (2018) elaborate that previously people thought that the bank business will never die if they have a many branches and government support.
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