The implementation of National Strategies indicated that financial literacy and education is an important life skill that every people should have. The Theory of planned behavior is the best way to explain the actual human behavior. In our current study, we examined the determinants of financial behavior among Malaysian workers. Human resource is considered as an important source for economic development. Having a high self-efficacy can help them to achieve a positive financial behavior and cope with any challenges especially in term of financial matters. However, in Malaysia, there is no study on financial self-efficacy using the Financial Self-Efficacy Scale (FSES). Cronbach alpha were tested and all the variables achieved a high reliability of more than 0.70. Regression were tested and the result shows that only financial knowledge were significant to financial behavior. The result intends to add to the body of knowledge.

Asian household debts continuously rise in recent years, including in Malaysia. This scenario might lead to a number of challenges in achieving the nation’s dream to have a high-income status. The lack of financial management and financial skills is the main reasons of debt problem. As both financial management and financial skills are parts of financial literacy, this study was conducted to investigate the level of understanding of financial literacy and the debt burden among Malay youth workers in Malaysia. Further, it adopts a qualitative methodology that involved semi-structured interviews. The findings show that Malay youth workers have a limited knowledge about shares (stocks). In addition, home loan is a major contributor for the debt burden among the youth workers.

Fintech or financial technologies is currently a new phenomena in the banking and financial industry. Islamic Finance industry also embracing this new technology and sweeping across the financial world to be part of the revolution. The studies of Islamic Fintech is still limited and underexplored, particularly on the demand side i.e.consumer. This paper intended to examine the influence of spiritual intelligence quotient (SQ) to the behavioral intention of Islamic Fintech adoption among consumers in Malaysia. To achieve this objective, this paper adopts a content analysis approach. The analysis is drawn from the perusals of academic journals and relevant documents based on thematical theories in SQ and adoption of Islamic Fintech. The review has found that SQ have positive nexus with behavior of consumers in Islamic Fintech adoption.

This paper examining the factors that influence financial behavior among individual Malaysian workers and check whether is there any mediating effect between financial self-efficacy and financial behavior through financial attitude. The mediation tested using structure equation modelling in WARP-PLS 5.0. From the pilot study’s results, we are convinced with the viability of the existing model that shows that financial attitude have the relationship with financial self-efficacy. Limitation and finding were further discuss in this paper.