Crowdfunding is currently Malaysia's fastest growing source of alternative finance for companies. It is an enticing opportunity for entrepreneurs with innovative ideas who would not otherwise have found capital to leverage the power of the audience to bring goods and projects from the ground. Crowdfunding has traditionally been the go-to funding solution for individuals, startups and entrepreneurs. But more recently, retailers and larger companies have been using crowdfunding as an investment route, market research tool or promotional technique. The obvious attraction of crowdfunding for retailers is that it sidesteps the need to convince a bank or investor you can make their investment worthwhile. But the rewards of the crowdfunding model are not just financial. A crowdfunding campaign can raise awareness of a brand or product, deliver valuable information about demand for a product or service, and create an already established customer base once a campaign is complete. Hence, this research focused on determining the factors that could influence the prospective retailers' intention to collect fund from crowdfunding platform. The research selected the UTAUT model to determine the prospective retailer's intention toward collecting fund to the crowdfunding project. There were four independent variables, namely performance expectancy, effort expectancy, social influence, and reliability. The intention of the prospective retailer was selected as the dependent variable. With respect to the literature review, four hypotheses were developed in this study. To test the developed hypothesis in this study, descriptive research was adopted by applying a self-administered questionnaire distributed to respondents. For this study, convenience sampling was selected, whereby 379 respondents responded and answered the questions. All the independent variables have shown that they were positively significant to the intention of the prospective retailer. Hence, the intention of prospective retailer is influenced by performance expectancy, effort expectancy, social influence, and reliability. This research successfully contributed to the knowledge in this field by applying the UTAUT factor in the context of crowdfunding for expanding retail business. Regarding practitioners in this field, this research could act as a guideline or reference to enhance the retailer's intention to collect fund in a crowdfunding project. Lastly, for policymakers, it is hoped that this research could be used as a standard and reference for future crowdfunding initiatives by the government.

Purpose: The goal of this study is to propose a conceptual framework of new Islamic payment gateway system its acceptance among Malaysians. This study will employ UTAUT with four exogenous latent variables which are Performance Expectancy (PE), Effort Expectancy (EE), Social influence (SI), Facilitating Conditions (FC) and two endogenous latent variable also known as moderator which is Religiosity (R) and Behavioral Intention (BI).   Theoretical framework: Based on previous study, the UTAUT model design by (Soomro, 2019) hypothesizes of four constructs of variables which are, performance expectancy, effort expectancy, social influence, and facilitating conditions. These variables act as predictor of behavioural intention. As for the study, the author has added religiosity variable in place of the four moderators proposed.    Design/methodology/approach: According to (Alam, Hu & Barua, 2018) positivism focuses on testing hypotheses from an existing theory and understanding the individual behaviour. Agreeing to that, (Kholoud Ibrahim Al-Qeisi, 2009) stated in his study that methodologies of positivism have expressed different types of validity checks, such as construct validity, internal and external validity and statistical conclusion validity. In other words, the evidence presented should be able to be examined, as well as the process used, the research context, and to conclude that the claims made are reasonable.   Findings: According to (Batrinca and Treleaven, 2015) the largest, richest, and most dynamic evidence base of human behaviour is social media data, which brings new options for understanding individuals, groups, and society. Innovative scientists and business professionals are increasingly looking for innovative ways to collect, combine, and analyse this huge amount of data efficiently. Companies in the retail and banking industries were among the first to use social media analysis. Retailers utilise social media to increase brand awareness, improve product/customer service, develop advertising/marketing plans, analyse network structure, spread news, and even detect fraud.   Research, Practical & Social implications: We suggest to include item for Religiosity construct that are more to understanding in Islamic Muamalat. In that way, the future study might find more accurate result for Religiosity impact in the construct   Originality/value: According to this study, which adopted from previous study that using religiosity as moderating variable, since we found that Religiosity do have interaction effect for Performance Expectancy and Social Influence towards Behaviour Intention. But the difference is, in previous study the moderation was used in banking field. While in this study Religiosity were used in Payment gateway field.

Purpose: The goal of this study is to propose a conceptual framework of new Islamic payment gateway system its acceptance among Malaysians. This study will employ UTAUT with four exogenous latent variables which are Performance Expectancy (PE), Effort Expectancy (EE), Social influence (SI), Facilitating Conditions (FC) and two endogenous latent variable also known as moderator which is Religiosity (R) and Behavioral Intention (BI).   Theoretical framework: Based on previous study, the UTAUT model design by (Soomro, 2019) hypothesizes of four constructs of variables which are, performance expectancy, effort expectancy, social influence, and facilitating conditions. These variables act as predictor of behavioural intention. As for the study, the author has added religiosity variable in place of the four moderators proposed.    Design/methodology/approach: According to (Alam, Hu & Barua, 2018) positivism focuses on testing hypotheses from an existing theory and understanding the individual behaviour. Agreeing to that, (Kholoud Ibrahim Al-Qeisi, 2009) stated in his study that methodologies of positivism have expressed different types of validity checks, such as construct validity, internal and external validity and statistical conclusion validity. In other words, the evidence presented should be able to be examined, as well as the process used, the research context, and to conclude that the claims made are reasonable.   Findings: According to (Batrinca and Treleaven, 2015) the largest, richest, and most dynamic evidence base of human behaviour is social media data, which brings new options for understanding individuals, groups, and society. Innovative scientists and business professionals are increasingly looking for innovative ways to collect, combine, and analyse this huge amount of data efficiently. Companies in the retail and banking industries were among the first to use social media analysis. Retailers utilise social media to increase brand awareness, improve product/customer service, develop advertising/marketing plans, analyse network structure, spread news, and even detect fraud.   Research, Practical & Social implications: We suggest to include item for Religiosity construct that are more to understanding in Islamic Muamalat. In that way, the future study might find more accurate result for Religiosity impact in the construct   Originality/value: According to this study, which adopted from previous study that using religiosity as moderating variable, since we found that Religiosity do have interaction effect for Performance Expectancy and Social Influence towards Behaviour Intention. But the difference is, in previous study the moderation was used in banking field. While in this study Religiosity were used in Payment gateway field.