The study objective is to investigate the factors affecting the consumer awareness and acceptance towards FinTech products and services in Malaysia. In this study, first, it is to identify the factors that affect the consumer awareness and acceptance towards FinTech products and services in Malaysia. Second, it is to develop a conceptual framework which included the independent variables such as usefulness, ease of use, relative advantage, perceived risk, perceived cost, and mediating effect of awareness of consumers with the dependent variable of the consumer acceptance towards FinTech products and services. The expected output of this study could help FinTech companies to make the right decisions in promoting their products and services in the country. The findings of this study would be benefiting them to develop more personalized products and services for the Malaysian consumers.

A mobile wallet is a part of financial technology products and it is still in the infant stage in Malaysia. This study applied 2 theories such as Theory of Reasoned Action and Theory of Acceptance Model. The research objectives of this paper are 1) to investigate the factors influencing consumers’ behavioural intention to accept of the mobile wallet in Malaysia, 2) to analyze the relationships between perceived usefulness, perceived ease of use, perceived security, social influence, price value, social media, brand image, and behavioural to accept the mobile wallet, and 3) to examine the relationship between the behavioural and intention to accept of the mobile wallet in Malaysia. Quantitative data analysis was employed in this study. The results implied that perceived usefulness, perceived ease of use, social influence, and brand image have a significant relationship on the consumers’ behavioural to accept of the mobile wallet, and also the consumers’ behavioural has a significant relationship on the intention to accept mobile wallet. Considerably, the mobile wallet companies can formulate appropriate marketing decisions in designing a more personalized mobile wallet to Malaysian consumers and protect the benefits of consumers’ secured digital payment to motivate mobile wallet acceptance.