compatibility

In a different context, the user's needs in a housing apartment are constantly changing; it is required that the provided house, by having flexibility, can always be responsive to the user's needs in various situations, which would be a challenge for specialized areas of housing, including design. To perform a flexible housing design, the architects face many different design solutions and variables, leading to confusion in this field. So, the objective of this study is to identify these variables and achieve an effective solution by considering their priority of them. The variables of this study were proposed in three scales of macro, medium, and micro according to the previous valid research studies in the field of flexible housing. Then, the variables have been evaluated using the specialist's idea through the Fuzzy Delphi method (FDM). The Friedman test has been used to analyze the data obtained from the questionnaires and achieve a valid ranking, which performs the ranking by calculating the mean rank for each variable. According to the results of data analysis, the characteristics of "spatial expansion and division," which means the possibility of space to be expanded (the expansion) or divided (the contraction), as the medium scale of housing design, has the greatest impact on the housing flexibility. On the macro scale, the "structure" component, and the micro-scale, the "use of flexible elements" provide the highest effectiveness in this regard. Moreover, as the medium scale, the modular design of space falls in the second place of influence compared to all other variables. Increasing the properties of spatial expansion and spatial division can be an effective design strategy for achieving flexibility in apartment housing. Also, modular space designing and flexible elements have been introduced as two solutions in the next priorities. All are considered small and medium scales and can be prioritized in designing flexible apartment housing.

The rapid growth and advancement of electronic devices and technologies in the FinTech industry empower new innovative products and services. The covid-19 pandemic could have a devastating effect on Malaysia’s economy, but it has offered additional opportunities for the E-wallet segment of the Fintech business to thrive. The E-wallet segment of FinTech is one of the latest innovations that is currently growing as there is a need for contactless payments during the pandemic situation. The main objective of the study is to examine the factors affecting e-wallet adoption among young adults in Malaysia. A sample of 200 responses was analyzed using Smart PLS 3.0. The findings revealed that the factors of “performance expectancy”, “effort expectancy”, “compatibility”, and “social influence” have a positive and significant impact during the pandemic; however, the factor of “facilitating conditions” has no significant impact on the adoption of the E-wallets. The study substantiates the key and important variables of adoption in order to develop and evolve E-wallet providers' existing services. Particularly, due to the increasing importance of e-commerce, E-wallet service providers are urged to focus on the system's interoperability, which encourages individuals or customers to use the strategy.  They should include unique features that allow customers to accept the service, trust its benefits and feel comfortable using the technology. The study is useful to the E-wallet providers to improve the existing services. The findings also guide the companies offering E-wallets to enhance the usage and adoption of their services.