Exploring Gender's True Impact on Financial Management Behaviour

The proliferation of technology globally has led to significant transformations in the economic progress of nations, including Malaysia. The era of globalisation has brought about significant transformations in countries worldwide, exerting both positive and negative impacts on the essential requirements of daily life. Therefore, the financial success of young working adults in Malaysia is significantly influenced by their financial management behaviour. The objective of this conceptual paper is to investigate the correlation between the financial management behaviour of young individuals employed in Malaysia and their financial attitudes, financial self-efficacy, and personal income with gender as the moderating variable. This study will employ a quantitative approach, gathering primary data through the distribution of questionnaires to individuals aged 18 to 40 in The Klang Valley, Malaysia. Analysing the data will involve the use of structural equation modelling (SEM) and partial least squares (PLS). It is anticipated that this study will make a substantial contribution, potentially leading to the development of a new framework that can be used by researchers, governmental entities, and other organisations in future research endeavours. Moreover, comprehending the financial conduct of young employed individuals is crucial for developing strategies and measures that promote economic resilience and prosperity within this specific group.