The growth of ageing population with prolonged life expectancy, decreased morbidity and cost of inflation rate among many countries have triggered huge socioeconomic challenges. Malaysia is expected to be labelled as the ageing nation in 2035 and thus, financial planning rests on the personal responsibility of many Malaysians. Financial planning behaviour is not only affected by economic living standard; mental health is one of the predictor variables in financial preparedness. This paper attempts to shed light on the intricacies in the relationships among familiarity bias, self-attribution bias and the mental health in financial planning behaviour among Malaysians by revisiting the Prospect Theory. Individuals who are mentally healthier tend to ignore risks as they get more comfortable and familiar with a particular stock when making decisions in financial planning. Investors who are self-attribution bias are more inclined to have high optimism towards their own capability and abilities under different circumstances moderated by their mental health. For instance, young working adults in Malaysia who have better mental health disposition are found to be overoptimistic and neglect the importance of financial planning.

Due to Covid-19 pandemic, the adoption rate of E-wallet increased drastically. Nevertheless, moving to the next phase of endemic, what motivates the Generation Y to continue using E-wallet remains questionable? In order to ensure the sustainable business in the post Covid-19 pandemic era, this study is conducted to examine the motivational factors which affecting the intention of Generation Y to continue using E-wallet. The non-probability sampling, convenience sampling method is employed for the data collection. A total of 214 usable data is analysed using ordinary lease square, multiple linear regression analysis. Whereas, the Statistics Package for Social Science software is used to analyse the collected data. Findings showed that all the hypotheses in this study are supported. Indicating Trust, Perceived Usefulness, Perceived Ease of Use, Satisfaction and Perceived Security are significantly positively related to the continuous intention to use Ewallet even in the post Covid-19 pandemic era. Aside, findings also suggested the E-wallet providers and government to focus on the easiness to use the application because it showed perceived ease of use has the greatest effects to the continuous intention among Generation Y. All in all, users' experiences remained the main focus to ensure the continuous intention to use E-wallet.