Factors determining behavioral intentions to use Islamic financial technology Three competing models

Darmansyah, - and Bayu Arie Fianto, - and Achsania Hendratmi, - and Primandanu Febriyan Aziz, - (2020) Factors determining behavioral intentions to use Islamic financial technology Three competing models. Journal of Islamic Marketing, 12 (4). pp. 794-812. ISSN 1759-0833

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Official URL: https://www.emerald.com/insight/content/doi/10.110...

Abstract

Purpose The purpose of this paper is to investigate the influential factors on behavioral intentions toward Islamic financial technology (FinTech) use in Indonesia, for all types of FinTech services as follows: payments, peer to peer lending and crowdfunding. Design/methodology/approach This study adopted structural equation modeling using the partial least squares approach to test the hypotheses. Based on purposive sampling, the questionnaire was distributed through an online survey and received 1,262 responses. Findings The results demonstrate that the latent variables, planned behavior, acceptance model and use of technology, have a significant impact on encouraging behavioral intentions to use Islamic FinTech. The “acceptance model” latent variable is the most influential factor. Research limitations/implications This study was conducted only in Indonesia; therefore, the results cannot be generalized to other countries. However, the study provides important strategic guidelines for policymakers in designing a framework to enhance the development of Islamic FinTech and to achieve financial inclusion. It is suggested that future studies include samples from FinTech users in different countries. Originality/value This study adds to the literature especially on the factors affecting behavioral intentions to use Islamic FinTech. There are limited studies concerning this topic, especially for Indonesia. The unique feature of this study is the use of a large primary data set that covers most provinces in Indonesia. Furthermore, this study focuses on three types of Islamic FinTech, namely, payments, peer to peer lending and crowdfunding.

Item Type: Article
Uncontrolled Keywords: Indonesia, Islamic financial services marketing, Behavioural intention, Islamic financial technology
Subjects: H Social Sciences
H Social Sciences > HG Finance
Divisions: 04. Fakultas Ekonomi dan Bisnis > Ekonomi Syariah
Creators:
CreatorsNIM
Darmansyah, -UNSPECIFIED
Bayu Arie Fianto, -NIDN0010028503
Achsania Hendratmi, -NIDN0730127503
Primandanu Febriyan Aziz, -UNSPECIFIED
Depositing User: Tn Sugeng Riyanto
Date Deposited: 26 Dec 2022 00:24
Last Modified: 26 Dec 2022 00:24
URI: http://repository.unair.ac.id/id/eprint/119279
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