Amer Azlan Abdul Jamal

Nudging Financial Literacy and Behaviours Among Low Self-Control Young Adults: A Randomized Controlled Trial 

Supervisors: Professor Karen Rowlingson and Dr. Lee Gregory 

Using an experimental design, my research focuses on examining the impact of a traditional financial education program complemented with delivery of SMS reminders (as additional nudging tools) towards improving financial literacy and self-control in three aspects of financial behaviours; budgeting, savings and cash management. The outcomes of this research will provide better understanding on the link between behavioural economics and individuals’ financial behaviour, and also the use of SMS reminder as an important complement that could circumvent behavioural constraint and bridge the gap between financial knowledge and behaviours. This would assist policy makers or relevant agencies to design a more reliable financial planning programme that can assist people to counter low self-control and manage their finances better.


  • Master of Business Administration -  UiTM,  Malaysia

  • BBA (Hons.) Finance -  UiTM,  Malaysia

  • Diploma in Investment Analysis – UiTM, Malaysia 

Research Interests

  • Consumer Finance
  • Financial Education
  • Financial Literacy
  • Financial Behaviours


Amer is currently serving as a Lecturer at Faculty of Business, Economics and Accountancy, Universiti Malaysia Sabah, Malaysia. Amers main research interests include consumer finance and behaviours, financial literacy and financial education, and corporate finance. Amer has taught courses on these subjects, mainly at undergraduate level. Amers research publications can be viewed at my google scholar page – Amer Azlan Abdul Jamal 

Amer is also one of the Centre of Household Assets and Savings Management (CHASM) internal associates

Teaching responsibilities

  • Basic and advance financial management
  • Personal finance
  • Credit management
  • Behavioral finance
  •  Investment analysis

Professional memberships

  • Social Policy Association
  • Malaysian Financial Planning Council

Contact details