1. Introduction 1.1 Background of the Study 1.2 Research Problem 1.3 Objectives of the Study 1.4 Significance of the Study 1.5 Scope and Limitations 2. Literature Review 2.1 Financial Digitalization Concepts 2.2 Micro Entrepreneurs in Malaysia 2.3 Predictive Model Approaches 2.4 Factors Influencing Adoption 2.5 Gaps in Existing Research 3. Theoretical Framework 3.1 Technology Acceptance Model 3.2 Diffusion of Innovations Theory 3.3 Relevant Economic Theories 4. Research Methodology 4.1 Research Design 4.2 Data Collection Methods 4.3 Sample Selection 4.4 Data Analysis Techniques 5. Development of Predictive Models 5.1 Model Construction Process 5.2 Variables and Indicators 5.3 Model Validation Techniques 6. Findings and Analysis 6.1 Descriptive Analysis 6.2 Predictive Model Performance 6.3 Comparative Analysis of Models 7. Discussion 7.1 Interpretation of Results 7.2 Implications for Micro Entrepreneurs 7.3 Alignment with Previous Studies 8. Conclusion and Recommendations 8.1 Summary of Findings 8.2 Recommendations for Entrepreneurs 8.3 Suggestions for Future Research
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