A business and finance educator with over 6 years of university teaching experience
A multidisciplinary scholar with over 25 international publications
A business and finance educator with over 6 years of university teaching experience
A multidisciplinary scholar with over 25 international publications
Consultant, Malaysia's Ministry of Housing and Local Government (2025 - Present)
Assistant Professor, Universiti Tunku Abdul Rahman (2023 - Present)
Youth Counsellor, Canning Garden Methodist Church (2017 - Present)
3rd Degree Black Belt, International Taekwon-Do Federation (2012 - Present)
Digital Marketing Associate, Meta (2021 - 2023)
Lecturer, Universiti Tunku Abdul Rahman (2020 - 2023)
Doctor of Philosophy (Marketing and Advertising), Universiti Tunku Abdul Rahman
Master of Business Administration (Corporate Management), Universiti Tunku Abdul Rahman
Bachelor of Commerce (Honours) Accounting, Universiti Tunku Abdul Rahman
Certificate of Proficiency in English, University of Cambridge
Professional Certificate in Leadership and Communication, Harvard University
Professional Certificate in Strategic Negotiations, University of California Davis
Professional Certificate in Digital Marketing Fundamentals, University of Edinburgh
Professional Certificate in Digital Marketing, University of Maryland
Professional Certificate in Innovation and Entrepreneurship, University of Maryland
Professional Certificate in Business Model Innovation, Delft University of Technology
Professional Certificate in Project Management Fundamentals, Georgia Institute of Technology
Professional Certificate in Stock Trading, New York Institute of Finance
Professional Certificate in Corporate Finance, Columbia University
Professional Certificate in Personal Finance, Indiana University
Professional Certificate in Online Education, University of Wisconsin-Madison
Professional Certificate in AI in Higher Education, Stellenbosch University
Professional Certificate in AI for Marketing, Davidson College
Professional Certificate in Social Media Marketing, Meta
Professional Certificate in Digital Marketing & E-commerce, Google
Professional Certificate in Project Management, Google
Professional Certificate in Data Analytics, Google
Professional Certificate in Fundamentals of AI, IBM
Professional Certificate in Generative AI Applications, Amazon Web Services
Professional Certificate in Career Coach and Navigator, Goodwill Industries International
World's Top 5% Scientists, SciRank Global
World's Top 10% Financial Scholars, ScholarGPS
Top 5 Financial Instructor, Asia Top 40
Hot Paper (Top 0.1% in the World): Ooi, K. B., Tan, G. W. H., Al-Emran, M., Al-Sharafi, M. A., Capatina, A., Chakraborty, A., ... & Wong, L. W. (2025). The potential of generative artificial intelligence across disciplines: perspectives and future directions. Journal of Computer Information Systems, 65(1), 76-107.
Highly Cited Paper: Ooi, K. B., Tan, G. W. H., Al-Emran, M., Al-Sharafi, M. A., Capatina, A., Chakraborty, A., ... & Wong, L. W. (2025). The potential of generative artificial intelligence across disciplines: perspectives and future directions. Journal of Computer Information Systems, 65(1), 76-107.
Top Cited Article: Ooi, K. B., Tan, G. W. H., Aw, E. C. X., Cham, T. H., Dwivedi, Y. K., Dwivedi, R., ... & Sharma, A. (2023). Banking in the metaverse: a new frontier for financial institutions. International Journal of Bank Marketing, 41(7), 1829-1846.
Top Cited Paper: Loh, X. M., Lee, V. H., Tan, G. W. H., Ooi, K. B., & Fosso Wamba, S. (2022). Embracing mobile shopping: what matters most in the midst of a pandemic? Industrial Management & Data Systems, 122(7), 1645-1664.
Most Cited Article: Loh, X. M., Lee, V. H., Tan, G. W. H., Hew, J. J., & Ooi, K. B. (2022). Towards a cashless society: the imminent role of wearable technology. Journal of Computer Information Systems, 62(1), 39-49.
Best Paper Award: Yang, J., Tan, G. W. H., Ooi, K. B., Lee, V. H., & Loh, X. M. (2021). Factors affecting customers’ intention to use mobile payment services in the retailing industry. International Conference on Emerging Technologies and Intelligent Systems.
Highly Cited Paper: Yan, L. Y., Tan, G. W. H., Loh, X. M., Hew, J. J., & Ooi, K. B. (2021). QR code and mobile payment: The disruptive forces in retail. Journal of Retailing and Consumer Services, 58, 102300.
Top Cited Article: Lew, S., Tan, G. W. H., Loh, X. M., Hew, J. J., & Ooi, K. B. (2020). The disruptive mobile wallet in the hospitality industry: an extended mobile technology acceptance model. Technology in Society, 63, 101430.
Journal Articles
Yang, X. F., Loh, X. M., Seduram, L. A. P., & Tan, G. W. H. (2026). How is brand love shaped through virtual event value co-creation and sponsorship? A multi-method approach. Journal of Research in Interactive Marketing, 20(2), 161-181.
Lee, V. H., Loh, X. M., Leong, L. Y., Tan, G. W. H., & Ooi, K. B. (2026). Augmented Reality in E-tailing: Unveiling the determinants of consumers’ urge to impulse purchase. Communications of the Association for Information Systems, 58(1), 59.
Loh, X. M., Shyu, W. H., Lee, V. H., Huang, H. L., Tan, G. W. H., & Ooi, K. B. (2025). Super App: A Multi-Analytical Cross-Country Approach on the “Everything” App. Journal of Computer Information Systems.
Lim, S. Y., Tan, Y., Loh, X. M., Cham, T. H., Ooi, M. Y., & Tan, G. W. H. (2025). It’s not all fun and games: gamification in e-commerce on consumers’ impulse buying of retail food products. British Food Journal, 127(3), 1098-1113.
Ooi, K. B., Tan, G. W. H., Al-Emran, M., Al-Sharafi, M. A., Capatina, A., Chakraborty, A., ... & Wong, L. W. (2025). The potential of generative artificial intelligence across disciplines: perspectives and future directions. Journal of Computer Information Systems, 65(1), 76-107.
Loh, X. M., Lee, V. H., & Leong, L. Y. (2024). Understanding the opposing forces of continuance intention: a hybrid SEM-ANN approach. Industrial Management & Data Systems, 124(4), 1607-1626.
Cham, T. H., Cheng, B. L., Aw, E. C. X., Tan, G. W. H., Loh, X. M., & Ooi, K. B. (2024). Counteracting the impact of online fake news on brands. Journal of Computer Information Systems, 64(2), 245-264.
Ooi, K. B., Tan, G. W. H., Aw, E. C. X., Cham, T. H., Dwivedi, Y. K., Dwivedi, R., ... & Sharma, A. (2023). Banking in the metaverse: a new frontier for financial institutions. International Journal of Bank Marketing, 41(7), 1829-1846.
Loh, X. M., Lee, V. H., Hew, J. J., Tan, G. W. H., & Ooi, K. B. (2023). The future is now but is it here to stay? Employees’ perspective on working from home. Journal of Business Research, 167, 114190.
Loh, X. M., Lee, V. H., & Leong, L. Y. (2023). A multi-dimensional nomological network of mobile payment continuance. Journal of Computer Information Systems, 63(5), 1070-1092.
Loh, X. M., Lee, V. H., & Leong, L. Y., Aw, E. C. X., Cham, T. H., Tang, Y. C., & Hew, J. J. (2023). Understanding consumers’ resistance to pay with cryptocurrency in the sharing economy: a hybrid SEM-fsQCA approach. Journal of Business Research, 159, 113726.
Loh, X. M., Lee, V. H., & Leong, L. Y. (2022). Mobile-lizing continuance intention with the mobile expectation-confirmation model: an SEM-ANN-NCA approach. Expert Systems with Applications, 205, 117659.
Loh, X. M., Lee, V. H., Tan, G. W. H., Ooi, K. B., & Fosso Wamba, S. (2022). Embracing mobile shopping: what matters most in the midst of a pandemic? Industrial Management & Data Systems, 122(7), 1645-1664.
Tew, H. T., Tan, G. W. H., Loh, X. M., Lee, V. H., Lim, W. L., & Ooi, K. B. (2022). Tapping the next purchase: embracing the wave of mobile payment. Journal of Computer Information Systems, 62(3), 527-535.
Loh, X. M., Lee, V. H., Hew, T. S., & Lin, B. (2022). The cognitive-affective nexus on mobile payment continuance intention during the COVID-19 pandemic. International Journal of Bank Marketing, 40(5), 939-959.
Loh, X. M., Lee, V. H., Tan, G. W. H., Hew, J. J., & Ooi, K. B. (2022). Towards a cashless society: the imminent role of wearable technology. Journal of Computer Information Systems, 62(1), 39-49.
Loh, X. K., Lee, V. H., Loh, X. M., Tan, G. W. H., Ooi, K. B., & Dwivedi, Y. K. (2022). The dark side of mobile learning via social media: how bad can it get? Information Systems Frontiers, 24, 1887–1904.
Yan, L. Y., Tan, G. W. H., Loh, X. M., Hew, J. J., & Ooi, K. B. (2021). QR code and mobile payment: the disruptive forces in retail. Journal of Retailing and Consumer Services, 58, 102300.
Loh, X. M., Lee, V. H., Tan, G. W. H., Ooi, K. B., & Dwivedi, Y. K. (2021), Switching from cash to mobile payment: what's the hold-up? Internet Research, 31(1), 376-399.
Lau, A. J., Tan, G. W. H., Loh, X. M., Leong, L. Y., Lee, V. H., & Ooi, K. B. (2021). On the way: Hailing a taxi with a smartphone? A hybrid SEM-neural network approach. Machine Learning with Applications, 4, 100034.
Lew, S., Tan, G. W. H., Loh, X. M., Hew, J. J., & Ooi, K. B. (2020). The disruptive mobile wallet in the hospitality industry: an extended mobile technology acceptance model. Technology in Society, 63, 101430.
Conference Proceedings
Lim, Y. V., Ng, S. L., Oh, W. L., Tan, W. Y., Too, Y. Z., Loh, X. M., & Tan, G. W. H. (2022). A stimulus-organism-response paradigm to word-of-mouth and continuance intention of mobile application. In International Conference on Emerging Technologies and Intelligent Systems 2022 (pp. 192-204). Cham: Springer International Publishing.
Chin, L. S., Loh, W. H., Tan, M. F., Tan, Z. H., Loh, X. M., Lee, V. H., & Tan, G. W. H. (2022). Determining the factors that affect resistance to digital news subscription during the COVID-19 pandemic. In International Conference on Emerging Technologies and Intelligent Systems 2022 (pp. 205-217). Cham: Springer International Publishing.
Yang, J., Tan, G. W. H., Ooi, K. B., Lee, V. H., & Loh, X. M. (2021). Factors affecting customers’ intention to use mobile payment services in the retailing industry. In International Conference on Emerging Technologies and Intelligent Systems 2021 (pp. 621-637). Cham: Springer International Publishing.
Lau, U. H., Lee, L. E., Kang Lew, D., Loo, L. S., Ooi, S. X., Lee, V. H., Loh, X. M., & Tan, G. W. H. (2021). Mobile payment adoption: Barriers for baby boomers in Malaysia. In International Conference on Emerging Technologies and Intelligent Systems 2021 (pp. 568-579). Cham: Springer International Publishing.
Chan, L. Q., Kong, Y. M., Ong, Z. Y., Toh, J. X., Von, Y. H., Lee, V. H., Loh, X. M., & Tan, G. W. H. (2021). Driving factors towards live-stream shopping in Malaysia. In International Conference on Emerging Technologies and Intelligent Systems 2021 (pp. 580-591). Cham: Springer International Publishing.
Ministry of Housing and Local Government's New Village Development Master Plan Survey. (1 October 2025 - 31 December 2026). RM1,097,748.
Traveling with Artificial Intelligence: A Catalyst for Users’ Loyalty on Mobile Travel Application. (1 June 2025 – 31 May 2026). RM27,230.
AI in M-Commerce: A Multi-Theoretical Perspective on the Contrasting Forces of Repurchase Intention. (1 June 2025 – 31 May 2026). RM37,030.
Mobile investment apps: Determining Users’ Continuance Intention towards the Next Frontier of Financial Wealth Management. (1 November 2024 – 31 October 2025). RM27,120.
The Rise of Super-Apps: An Analysis of Users’ Perspective on the Revolutionary All-in-One Mobile Apps. (1 June 2024 – 31 May 2025). RM10,580.
AR Magic at Your Fingertips: Unraveling the Factors that Drive Impulse Buying in E-tailing. (1 November 2023 – 31 October 2024). RM27,600.
Understanding Repurchase Intention in Chat Commerce with the Cognitive-Affective-Conative Framework. (1 June 2022 – 31 May 2023). RM5,000.
Consumer Life or Death? Will Elderly Consumers Switch to Near Field Communication (NFC) Mobile Payment during COVID-19 Pandemic? (1 November 2021 – 31 October 2023). RM17,430.
Understanding the Continuance Intention to Use Mobile Payment in Malaysia. (1 December 2020 – 30 June 2022). RM2,500.