Malaysian's savings rate has declined in recent years. The last generation was more disciplined about savings. However, it seems that nowadays, Malaysians, in general, tend to save less. The growth of individual savings has been declined since 2017. According to a survey conducted in Malaysia in 2019, 35 percent of respondents saved less than 500 Malaysian Ringgit monthly. In 2018, the highest group of respondents who saves money frequently was people between the age of 15 to 24 years, with around 73 percent. Therefore, the purpose of this research was to investigate the determinants of saving behaviour of private-sector employees in Malaysia. Questionnaires were distributed to the 150 employees at a local financial institution. The sampling procedure adopted in this research was purposive sampling. Mean and standard deviation were computed for descriptive analysis as well as reliability analysis were also tested to examine the internal consistency of the items in the respective factors. Multiple regression analysis was used primarily to test the hypothesis proposed. The results of this study posited that financial knowledge and retirement planning have a strong influence on saving behaviour, while financial planning was found to be the least important factor in saving behaviour.

Financial well-being is one of the elements of well-being and it was explained where an individual can control the financial matter on current life and future life as well without feeling worries on his or her financial situation and it is vital to get better quality of life. Therefore, this study aims to analyses the factors that influencing financial well-being among students in Malaysian public university. Three variables are tested for this study namely, financial knowledge, financial attitude, and locus of control. The sample for this study consisted of 54 students participated in the survey using purposive sampling. The data collected via online form. Multiple regression analysis is employed to analyse the data gathered. The findings revealed that there was a significant relationship between financial knowledge and financial attitude with financial well-being. However, there was an insignificant effect between with locus of control towards well-being. The results could be used as guide to related government agencies, financial institutions, and the individual as well in understanding the important of financial well-being to curb from facing financial problem and to sustain the quality of life from young age.

With the expanding trend in the cosmetic industry, today's consumers are overflowed with various brands of beauty care products. In such circumstance, it may be an exorbitant undertaking for cosmetic companies to guarantee brand loyalty among the existing customers [1]. Therefore, it has become a vital need for companies to have a more noteworthy information on the determinants of brand loyalty of a specific brand of cosmetic. The purpose of this study is to investigate the factors that influence cosmetic brand loyalty among Generation Y women. A stratified random sampling was adopted in distributing questionnaires to 250 respondents. The data were analyzed using SPSS 18.0 which involved scale reliability, descriptive and multiple regression analyses. This study revealed that four key independent variables which are promotion, brand name, price and product quality had positive significant effects towards cosmetic brand loyalty among Generation Y women. Based on the results, some recommendations are suggested for future direction.

Developments in digital finance help vulnerable communities access financial services, particularly in developing countries. Financial technology offers advancements to the financial industry and consumers that make their transactions less complex and more convenient. E-wallet is a great platform that will positively impact the economy and social fabric of the nation in pursuit of the government's aspirations of transforming into a cashless society, contactless payment, and digital economy. It was proven that Malaysia's emergence of financial technology has contributed to increasing improvement in Malaysia's technology productivity. In the context of the study, the level of consumer acceptance of e-wallets especially among the lower-income group in Malaysia is still low in contrast with the potential benefit of technology. If this issue persists, the country's aspiration to become a cashless nation by 2050 and to be a regional leader in the digital economy by 2025 is hard to be achieved. Since the literature examining the determinants of e-wallet acceptance among Malaysians is relatively scarce, therefore, this study aims to fill the gap without omitting the community. Thus, this study seeks to subsidize the pertinent past literature and establish a conceptual framework that determines e-wallet acceptance and further amplifies the methodology that will be used in this study. This framework is based on Technology Acceptance Model as underpinning theory and the past studies using systematic literature review with the timeline between 2017 and 2021. Findings of these activities reveal that various variables have been compiled as a component in the proposed framework which are perceived usefulness, perceived ease of use, security, trust, attitude as a mediator, and ewallet acceptance. This framework can serve as a theoretical basis for future research and practice.

This study empirically examined the effect of macroeconomic variables on the exchange rate of Malaysia Ringgit against the US dollar for the past 14-year on monthly basis from July 2005 to July 2019. The Real Exchange Rate of Malaysia Ringgit against the US dollar (EXC) has been used as a dependent variable where the other four macroeconomic components had been classified as the export (EXP), import (IMP), inflation (INF), and interest rate (INT) as independent variables. The result shows that the export (EXP) is positively significant at level 5%, the import (IMP) is negatively significant at 5% level of significance with the real exchange rate (EXC), the inflation (INF) is also negatively significant at 1% level of significance, and interest rate (INT) is not significant. The EXP has positively forced the exchange rate means that when the values of this variable increase the value of exchange will be increasing but in the case of IMP and INF is vice versa. The inflation is the most significant macroeconomic determinant of the exchange rate. These findings may give some overview of policy implications to the policymakers in optimizing the effects of macroeconomic variables towards the stability of the exchange rate.