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.

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ABSTRACT This study aims to analyze the performance of Islamic Banking (iB) in Indonesia through the maqashid shariah index approach. Performance appraisal on Islamic Banking (iB) is generally done through financial performance measurements without including non-financial performance measurements. This study measures the performance of Islamic Banking (iB) through a broader approach to sharia  principles by using the concept of maqashid shariah index proposed by Abu Zahrah and Abdul Majid Najjar. This type of research is quantitative descriptive. The object of the research conducted is Bank Umum Syariah (BUS) that operate nationally in Indonesia and are registered with Otoritas Jasa Keuangan (OJK). The type of data used is secondary data in the form of financial reports and annual reports obtained from the official websites of each bank Period 2014 to 2018. By using the maqashid shariah index and the SAW (Simple Additive Weigting) method, it can be concluded that the performance value of MSI of Bank Muamalat Syariah Indonesia (BSMI)  in 2014-2018 approach to the concept of Abu Zahrah on average was 35.64%, while the performance value of MSI of BMSI in the same periode  with the AM Najjar concept approach the average is 30.56%. ABSTRAK Penelitian ini bertujuan untuk menganalisis kinerja Perbankan Syariah (iB) di Indonesia melalui pendekatan maqashid shariah index. Penilaian kinerja Perbankan Syariah (iB) umumnya dilakukan melalui pengukuran kinerja secara keuangan tanpa mengikutsertakan pengukuran kinerja non keuangan. Penelitian ini mengukur kinerja Perbankan Syariah (iB) melalui pendekatan prinsip-prinsip syariah secara lebih luas dengan menggunakan konsep maqashid shariah index yang dikemukakan oleh Abu Zahrah dan Abdul Majid Najjar.Jenis penelitian yang digunakan adalah deskriptif kuantitatif. Objek dari penelitian yang dilakukan adalah bank umum syariah (BUS) yang beroperasi secara nasional di Indonesia dan terdaftar pada otoritas jasa keuangan (OJK. Jenis data yang digunakan adalah data sekunder berupa laporan keuangan dan laporan tahunan dari situs resmi  masing masing bank Periode tahun 2014 sampai 2018. Dengan menggunakan  maqashid shariah index dan metode SAW (Simple Additive Weigting), dapat disimpulkan bahwanilai Kinerja MSI Bank Muamalat Syariah Indonesia (BMSI) tahun 2014-2018 pendekatan konsep Abu Zahrah rata-rata adalah sebesar 35.64%.  Sedangkan nilai kinerja MSI periode yang sama dengan pendekatan konsep AM Najjar rata-rata adalah sebesar 30.56%. JEL Classification: M41, Z12

No abstract

ABSTRACT This study aims to analyze the performance of Islamic Banking (iB) in Indonesia through the maqashid shariah index approach. Performance appraisal on Islamic Banking (iB) is generally done through financial performance measurements without including non-financial performance measurements. This study measures the performance of Islamic Banking (iB) through a broader approach to sharia  principles by using the concept of maqashid shariah index proposed by Abu Zahrah and Abdul Majid Najjar. This type of research is quantitative descriptive. The object of the research conducted is Bank Umum Syariah (BUS) that operate nationally in Indonesia and are registered with Otoritas Jasa Keuangan (OJK). The type of data used is secondary data in the form of financial reports and annual reports obtained from the official websites of each bank Period 2014 to 2018. By using the maqashid shariah index and the SAW (Simple Additive Weigting) method, it can be concluded that the performance value of MSI of Bank Muamalat Syariah Indonesia (BSMI)  in 2014-2018 approach to the concept of Abu Zahrah on average was 35.64%, while the performance value of MSI of BMSI in the same periode  with the AM Najjar concept approach the average is 30.56%. ABSTRAK Penelitian ini bertujuan untuk menganalisis kinerja Perbankan Syariah (iB) di Indonesia melalui pendekatan maqashid shariah index. Penilaian kinerja Perbankan Syariah (iB) umumnya dilakukan melalui pengukuran kinerja secara keuangan tanpa mengikutsertakan pengukuran kinerja non keuangan. Penelitian ini mengukur kinerja Perbankan Syariah (iB) melalui pendekatan prinsip-prinsip syariah secara lebih luas dengan menggunakan konsep maqashid shariah index yang dikemukakan oleh Abu Zahrah dan Abdul Majid Najjar.Jenis penelitian yang digunakan adalah deskriptif kuantitatif. Objek dari penelitian yang dilakukan adalah bank umum syariah (BUS) yang beroperasi secara nasional di Indonesia dan terdaftar pada otoritas jasa keuangan (OJK. Jenis data yang digunakan adalah data sekunder berupa laporan keuangan dan laporan tahunan dari situs resmi  masing masing bank Periode tahun 2014 sampai 2018. Dengan menggunakan  maqashid shariah index dan metode SAW (Simple Additive Weigting), dapat disimpulkan bahwanilai Kinerja MSI Bank Muamalat Syariah Indonesia (BMSI) tahun 2014-2018 pendekatan konsep Abu Zahrah rata-rata adalah sebesar 35.64%.  Sedangkan nilai kinerja MSI periode yang sama dengan pendekatan konsep AM Najjar rata-rata adalah sebesar 30.56%. JEL Classification: M41, Z12