Enhancing Financial Literacy: A Progressive Web Application Approach for Malaysian Youth

Main Article Content

Jun-Xuan Kok
Sin-Ban Ho
Chuie-Hong Tan

Abstract

Financial management is a crucial skill that individuals of all age ranges should acquire and master. It offers a transparent view of our financial status, enabling us to comprehend where our expenses are directed and manage every facet of our finances. Studies have indicated that Malaysian youth lack understanding in financial management. Nowadays, with so many people using the internet, we have the opportunity to share this expertise with a larger audience. Providing easily accessible materials for learning about and managing personal finances is essential to comprehending people's individual financial circumstances. In light of this, the purpose of this article is to develop a useful, progressive web system for personal finance management that makes budgeting and cost tracking easier. This personal finance management system will be implemented using the Tailwind Cascading Style Sheets, Firebase, and React framework as development tools. React frameworks are used due to their ability to produce dynamic user interfaces. To sum up, this user-friendly interface mechanism enables the formulation of budgets and the tracking of expenses. It also consists of other features for data visualization, such as charts. This research has the potential to add some additional enhancements to its existing functionality. For instance, it could introduce a predictive budgeting function that uses historical user spending data to perform predictive analysis.

Article Details

How to Cite
Kok, J.-X., Ho, S.-B., & Tan, C.-H. (2025). Enhancing Financial Literacy: A Progressive Web Application Approach for Malaysian Youth. Journal of Informatics and Web Engineering, 4(1), 53–69. https://doi.org/10.33093/jiwe.2025.4.1.5
Section
Regular issue

References

M. Z. A., Bakar, S. A., Bakar, & S. H., Ayub, “Financial Education as Moderating Influence in Prudent Financial Management Practices among Malaysian Youth”, International Journal of Academic Research in Business and Social Sciences, 10(2), pp. 1-11, 2020, DOI: https://doi.org/10.6007/ijarbss/v10-i2/6856

A., Mansurali, S., Ramakrishnan, S., Joghee, S., Kabiraj, & M. M., Bishnoi, “Fintech Innovations in the Financial Service Industry”, Journal of Risk and Financial Management, 15(7), pp. 287, 2022, DOI: https://doi.org/10.3390/jrfm15070287

C., Tymkiw, (2021). What Is Personal Financial Management? Investopedia. Retrieved July 21, 2021, from https://www.investopedia.com/personal-financial-management-pfm-5181311

D. A. T., Kumari, “The Impact of Financial Literacy on Investment Decisions: With Special Reference to Undergraduates in Western Province, Sri Lanka”, Asian Journal of Contemporary Education, 4(2), pp. 110-126, 2020, DOI: https://doi.org/10.18488/journal.137.2020.42.110.126

J., Irni, K., Rowlingson, & L., Appleyard, “The Effect of Personal Finance Education on the Financial Knowledge, Attitudes and Behaviour of University Students in Indonesia”, Journal of Family and Economic, 42(November), pp. 351-367, 2020, DOI: https://doi.org/10.1007/s10834-020-09721-9

K., Junaid, & R., Mestry, “The Oversight Functions of School Governing Bodies in the Management of Budgets”, Perspectives in Education, 41(4), 2023, DOI: https://doi.org/10.38140/pie.v41i4.7512

M., Padil, H., Kasim, E. S., Muda, S., Ismail, & N. M., Zin, “Financial Literacy and Awareness of Investment Scams among University Students”, Journal of Financial Crime, 29(1), pp. 355-367, 2022, DOI: https://doi.org/10.1108/jfc-01-2021-0012

A., Arvind, & H., Herrmann, “Artificial Intelligence and Fintech: An Overview of Opportunities and Risks for Banking, Investments, and Microfinance”, Strategic Change, 30(3), pp. 211-222, 2021, DOI: https://doi.org/10.1002/jsc.2404

K., Goyal, S., Kumar, & J. J., Xiao, “Antecedents and consequences of Personal Financial Management Behavior: a systematic literature review and future research agenda”, International Journal of Bank Marketing, 39(7), pp. 1166-1207, 2021, DOI: https://doi.org/10.1108/ijbm-12-2020-0612

L., Bartocci, G., Grossi, S. G., Mauro, & C., Ebdon, “The journey of participatory budgeting: a systematic literature review and future research directions”, International Review of Administrative Sciences”, 89(3), pp. 757-774, 2023 DOI: https://doi.org/10.1177/00208523221078938

B., Mareike, C., Brück, T., Knauer, & A., Schwering, “Digitization of the Budgeting Process: Determinants of the Use of Business Analytics and Its Effect on Satisfaction with the Budgeting Process”, Journal of Management Control, 31(1-2), pp. 25-54, 2020, DOI: https://link.springer.com/article/10.1007/s00187-019-00291-y

S. A., Pedersen, B., Yang, & C. S., Jensen, “Fast Stochastic Routing under Time-Varying Uncertainty”, The VLDB Journal, 29(4), pp. 819-839, 2019, DOI: https://doi.org/10.1007/s00778-019-00585-6

B., Hélène, J., Cylus, W., Patcharanarumol, J., Novignon, T., Evetovits, & S., Gupta, “Do Efficiency Gains Really Translate into More Budget for Health? An Assessment Framework and Country Applications”, Health Policy and Planning, 36(8), pp. 1307-1315, 2021, DOI: https://doi.org/10.1093/heapol/czab040

M., Lewis, M., Sturdee, J. U., Davis, M., Gamboa, S. F., Alaoui, C. E., Ohlenschlager, W., Gaver, E., Blevis, & L., Loke, “Is it Art, is it HCI? Exploring Tensions Between Practice and Research”, Proceedings of the 2023 CHI Conference on Human Factors in Computing Systems, Article No. 525, pp. 1-4, 2023, DOI: https://doi.org/10.1145/3544549.3583744

C., Bruce, A., Olafsson, & M., Pagel, “Mobile Apps and Financial Decision Making”, Review of Finance, 27(3), pp. 977-996, 2023, DOI: https://doi.org/10.1093/rof/rfac040

W.-X., Ong, S.-B., Ho, & C.-H., Tan, “Enhancing Migraine Management System through Weather Forecasting for a Better Daily Life”, Journal of Informatics and Web Engineering (JIWE), 2(2), pp. 201-217, 2023, DOI: https://doi.org/10.33093/jiwe.2023.2.2.15

S.-B., Ho, E.-Y., Chew, & C.-H., Tan, “Streamlining Dental Clinic Management for Effective Digitisation Productivity and Usability”, Journal of Informatics and Web Engineering (JIWE), 3(2), pp. 70-85, 2024, DOI: https://doi.org/10.33093/jiwe.2023.3.2.5

J.-L., Goh, S.-B., Ho, & C.-H., Tan, “Weather-Based Arthritis Tracking: A Mobile Mechanism for Preventive Strategies”, Journal of Informatics and Web Engineering (JIWE), 3(1), pp. 210-225, 2024, DOI: https://doi.org/10.33093/jiwe.2024.3.1.14

S. N., Kalid, S.-B., Ho, A., Ibrahim, J. H. N., Azman, S.-J., Tan, & J.-E., Cheong, “Enhancing personalized healthcare with an effective E-Healthcare Management System”, Journal of System and Management Sciences (JSMS), 14(2), pp. 482–497, 2024, DOI: https://doi.org/10.33168/JSMS.2024.0230

X.-X., Cho, S.-B., Ho, and C.-H., Tan, “Improving asthma treatment adherence by integrating weather information with responsive web technique”, AIP Conference Proceedings, vol. 3153, 030005, 2024, DOI: https://doi.org/10.1063/5.0216655

G. A., Makho, S.-B., Ho, and I., Chai, “Exploring the potential of artificial intelligence in the medical sector for patient well-being: A review technique”, AIP Conference Proceedings, vol. 3153, 030003, 2024, DOI: https://doi.org/10.1063/5.0216651

M. E. K. K., Khairi, S.-B., Ho, and C.-H., Tan, “Real-time tracking and category filtering of an automated system for trading cards collections”, AIP Conference Proceedings, vol. 3153, 060001, 2024, DOI: https://doi.org/10.1063/5.0216659

R. J. Y., Kok, S.-B., Ho, and C.-H., Tan, “Improving the prediction resolution time for mobile eczema support system”, AIP Conference Proceedings, vol. 3153, 030007, 2024, DOI: https://doi.org/10.1063/5.0216658