Journal of Postgraduate Current Business Research

Fintech Adoption and Regulatory Challenges in Malaysian Banking:

2025-10-08T12:54:22+00:00

The advancement of financial technology (fintech) has revolutionised the global banking landscape; the traditional financial institutions involve the challenges of innovation and risk obsolescence. In Malaysia, fintech adoption has gained improvement due to the digital banking initiatives, e-wallet division, and regulatory framework, including Bank Negara Malaysia’s (BNM) Fintech Regulatory Sandbox and Digital Bank Licencing Framework. Considering these developments, numerous established banks face strategic and regulatory obstacles that hinder effective fintech integrations. This concept paper examines the simultaneous development of fintech adoption and regulatory difficulties in the Malaysian banking sector from a strategic management perspective.

Forensic Practices and Investigation Effectiveness

2025-10-08T12:29:34+00:00

The growing reliance on forensic science in contemporary justice systems underscores the need to understand how organizational practices translate into effective investigative outcomes. While previous studies have examined the role of individual forensic elements such as technology adoption or training programs, there remains a lack of integrative frameworks that explain how multiple practices jointly shape investigation effectiveness. This conceptual paper addresses this gap by developing a model that links forensic procedures, technology application, and training programs to investigation effectiveness, mediated by forensic competency. Drawing on the Resource-Based View (RBV) and Competency-Based Theory (CBT), the framework positions competency as the strategic mechanism through which organizational resources are transformed into reliable, admissible, and timely forensic outcomes. The paper reviews recent empirical evidence highlighting the critical role of procedural rigor, technology integration, and structured training in improving forensic performance. However, it argues that these practices alone are insufficient without competent personnel to enact and integrate them. By conceptualizing competency as a mediator, the model offers a nuanced explanation of why similar resource investments yield different performance results across forensic contexts. The study outlines a future empirical agenda employing Partial Least Squares Structural Equation Modeling (PLS-SEM) to validate the proposed relationships. The expected contributions of this work are threefold: advancing theory by integrating RBV and CBT in a forensic science context, providing practical insights for laboratories and investigative agencies seeking to maximize performance, and informing policy on the design of competency-driven forensic standards. This conceptualization emphasizes that sustainable forensic effectiveness arises not from resources alone but from the alignment of practices with practitioner competency

Technology Integration, Organizational Culture, and Socioeconomic Factors as Drivers of Workforce Efficiency

2025-10-08T12:28:50+00:00

The interplay of technological adoption, cultural alignment, and socioeconomic conditions increasingly shapes organizational efficiency in the digital era. While technology integration has been widely recognized as a critical enabler of productivity, recent evidence suggests that its impact on efficiency is contingent on workforce competencies and the organizational context in which it operates. This conceptual paper develops a framework that positions competency as a mediating construct linking technology integration, organizational culture, and socioeconomic factors to workforce efficiency. Drawing on Socio-Technical Systems Theory and Organizational Learning Theory, the model emphasizes that efficiency outcomes are achieved when technological systems are aligned with supportive cultures and adequate socioeconomic resources, and when employees possess the necessary competencies to translate these enablers into performance. The study adopts a quantitative survey design with stratified random sampling, targeting employees in organizations undergoing digital transformation. Data will be analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) via SmartPLS, with measurement model and structural model assessments conducted following established rules of thumb. Expected outcomes include theoretical contributions to performance literature by validating competency as a key mediator, as well as practical implications for managers and policymakers in designing integrated strategies that combine technology, culture, and resource allocation to enhance workforce efficiency. By integrating structural and human dimensions of organizational performance, this research contributes to the understanding of how competencies can drive sustainable efficiency in contemporary organizations.

Building Public Satisfaction through Trust:

2025-10-08T12:41:17+00:00

Public satisfaction with law enforcement and public service institutions has become an increasingly critical issue in governance, particularly in contexts where institutional legitimacy is contested. This conceptual paper proposes a framework that integrates service performance, community policing, and technology integration as antecedents of public satisfaction, with trust serving as the central mediating construct. Drawing on Institutional Trust Theory and Expectation-Confirmation Theory, the study argues that operational efficiency, inclusivity, and technological transparency are necessary but not sufficient conditions for sustaining citizen satisfaction. Instead, trust functions as the key mechanism that channels these institutional practices into lasting perceptions of legitimacy and confidence. Service performance is contributed by ensuring responsiveness and professionalism, while community policing enhances inclusivity and citizen engagement. Technology integration adds value by fostering transparency and efficiency; nevertheless, its ultimate effectiveness depends on the degree of institutional trust it generates. The proposed framework positions trust as both an outcome of institutional practices and a mediator that transforms performance and engagement into satisfaction. This paper makes theoretical contributions by combining operational, relational, and technological dimensions within a unified trust-based model of satisfaction. Practical and policy implications include the need for continuous investment in service performance, the institutionalization of community policing programs, and the responsible integration of digital technologies. By highlighting trust as the linchpin of satisfaction, this conceptual study guides future empirical research. It offers a pathway for strengthening legitimacy in public service delivery.

Revisiting Citizen Attitudes in Digital Governance:

2025-10-09T01:50:04+00:00

Smart government services have emerged as a cornerstone of digital transformation, aiming to enhance efficiency, transparency, and citizen engagement. This study investigates the relationship between citizen trust and satisfaction in the context of smart government services in Malaysia. Data were collected from 251 Malaysians who engaged with government services via Facebook, and the results were analysed using descriptive statistics, correlation, and regression analysis. Findings reveal a significant and positive relationship between trust and citizen satisfaction, suggesting that higher levels of trust lead to greater satisfaction with smart services. The study underscores the importance of transparency, accountability, and security in shaping trust, which in turn drives satisfaction and adoption. These insights are particularly relevant for policymakers and government agencies seeking to increase citizen participation in digital governance.

Customer Engagement in the Digital Era:

2025-10-09T01:58:42+00:00

Mobile commerce has become a dominant force in shaping consumer–brand interactions, particularly in emerging markets such as Malaysia. This study investigates the influence of personalisation, responsiveness, and ubiquitous connectivity on customer engagement in mobile commerce. Data were collected from 129 Malaysian consumers with mobile shopping experience, and Partial Least Squares Structural Equation Modeling (PLS-SEM) was employed to assess both measurement and structural models. The results reveal that responsiveness and ubiquitous connectivity significantly enhance customer engagement, while personalisation shows no significant effect. These findings challenge traditional assumptions regarding the universality of personalisation as an engagement driver and instead highlight the growing importance of accessibility and timely service in digital commerce. The study contributes theoretically by extending digital engagement frameworks and practically by offering insights for businesses to prioritise responsiveness and seamless connectivity in mobile service strategies.

Development Strategies of Data Annotation Industry in the Era of Artificial Intelligence

2025-10-09T12:48:34+00:00

The data annotation industry is a key cornerstone for the development of the digital economy and artificial intelligence, and there is a massive demand in the emerging science and technology field. The development of the data annotation industry shows the characteristics of rapid market expansion and continuous improvement of industrial layout, but it also faces technical bottlenecks, insufficient Competitiveness, a lack of unified standards and data security, and talent shortage. This study focuses on its development strategy, analyzes the current situation and problems, and proposes countermeasures, includingin terms of technological innovation, increase investment in key technology research and development, develop automated annotation tools, and improve annotation efficiency and accuracy; in terms of standard system construction, build a full - process standard system, regularly review and optimize, and ensure data security and privacy; in terms of industrial ecology cultivation, strengthen market entities, smooth the industrial chain, and improve the industrial ecology to enhance Competitiveness; in terms of talent training, colleges and universities offer relevant professional courses, develop professional training institutions, and strengthen the integration of industry, academia, and research. Through the implementation of these strategies, the data annotation industry is expected to achieve high-quality development and provide strong support for the digital and intelligent transformation of various industries in the digital economy era.

Enhancing Citizen Satisfaction in Smart Government Services:

2025-10-09T12:49:13+00:00

This study investigates the relationship between perceived ease of use and awareness in shaping citizen satisfaction with smart government services in Malaysia. A total of 834 valid survey responses were collected across all states, and the data were analysed using descriptive statistics, reliability testing, correlation, and regression analysis. The findings reveal that both perceived ease of use and awareness have significant positive effects on citizen satisfaction, explaining over 62% of the variance. These results underscore the importance of user-friendly service design and robust awareness campaigns in increasing citizen satisfaction. The study contributes to the growing literature on digital governance by highlighting the centrality of ease of use and awareness in Malaysia’s public sector transformation. Policymakers are encouraged to prioritise intuitive platforms, expand digital literacy initiatives, and sustain trust-building measures to ensure long-term adoption and engagement.