Determinants of Behavioral Intentions to Use Sharia Financial Technology (Fintech)

Setiawan, Dani; Darwanto, Darwanto; Gunanto, Edy Yusuf Agung

doi:10.15408/sjie.v10i2.21451

Cited by 10 publications

(13 citation statements)

References 35 publications

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“…Therefore, analysis of H3 revealed that planned behaviour exerts a positive impact on the intention to adopt Islamic lending Fintech. The result is consistent with previous studies such as Darmansyah et al (2020), Tun-Pin et al (2019, Setiawan et al (2021) found that planned behaviour has a significant impact on encouraging behaviour intentions to use Islamic Fintech.…”

Section: Discussionsupporting

confidence: 92%

Adoption of Islamic Fintech in lending services through prediction of behavioural intention

Alsmadi

Aalrawashdeh

Al-Gasaymeh

et al. 2023

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PurposeThis study aims to provide a better comprehension of the behavioural intentions that influence the adoption of Islamic financial technology (Fintech) in Malaysia for two kinds of Islamic lending Fintech services, which are crowdfunding and peer-to-peer (P2P) lending.Design/methodology/approachFrom May to July 2022 the primary data were collected by using a questionnaire distributed online to survey 437 Islamic Fintech clients in Malaysia. Structural equation modelling has been used to analyse the data based on using the partial least squares approach.FindingsThe findings of this paper shows that planned behaviour, acceptance model and technology's use models are positively impacting factors that influence customers' opinions on adapting Islamic Fintech services in lending. The acceptance model was found to exert a negative impact on the intention to adopt Islamic lending P2P Fintech service. In addition, technology's use has a negative impact on the intention to adopt Islamic lending crowdfunding Fintech service.Research limitations/implicationsFirst, the study is limited to Islamic Fintech customers in Malaysia only, second, the study adopted an online survey but there is no guarantee that the geography area was fully covered. Another limitation is that the study covers only Islamic Fintech services in lending, thus the study did not attend to variables such as religiosity and the authors believe that this will provide useful insights for future research.Originality/valueDespite the importance of this topic, there has been a lack of empirical evidence until now. In this paper, the authors take stock of the empirical evidence in the literature through the importance of the adoption Fintech. This study provides a broad view of the market potentials for Fintech providers from the demand side on a wide range of Islamic Fintech services rather than focussing only on payment, transfer, etc. as presented in previous studies.

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Section: Discussionsupporting

confidence: 92%

Adoption of Islamic Fintech in lending services through prediction of behavioural intention

Alsmadi

Aalrawashdeh

Al-Gasaymeh

et al. 2023

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“…According to the study's findings, Subjective Norms have a powerful effect on Behavioural Willingness to Invest in the Crowdfunding Platform in Indonesia. This research is similar to previous research (Effendi, Murad, Rafiki, & Lubis, 2020;Setiawan, Darwanto, & Gunanto, 2021), which discovered that the Subjective Norm had a significant and positive impact on the adoption of fintech payments, fintech lending, and sharia crowdfunding. Social norms and the surrounding environment affect a person's perception of adopting financial technology (Chong et al, 2021).…”

Section: Discussionsupporting

confidence: 89%

Predicting The Intention to Invest in Equity Crowdfunding in Indonesia

Mansyur

Ali

2022

lamaisyir

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“…This research showed social influences have a positive and significant impact on behavioral fintech. The results of this study confirmed the research of Setiawan et al, (2021)that information technology in the form of certain applications that a person used and received benefits that met his expectations, the stakeholders would recommend the application to their community. An MSME participant also imitated the use of certain apps used by celebrities, as one of the benefits of social media was related to the availability of financial services (Darmansyah et al, 2020) as well as the smooth running of their business.…”

Section: Table 6 Specific Indirect Effectssupporting

confidence: 78%

Behavioral Financial Aspects Analysis on MSMEs Business Development of Culinary Sector in Semarang City

Tyoso¹,

Soegiastuti²

2023

JPEB

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This study was proposed to study and analyze behavioral financial technologies for the development of MSMEs in the culinary field in the city of Semarang. There has been a lot of research related to fintech (fintech) or fintech topics or issues, but not much research has been found on behavioral fintech, especially related to MSME business development. The sample of the study is 125 culinary MSMEs in the city of Semarang. The data collected through the questionnaires was then analyzed using smartpls. This study found that financial satisfaction, owner characteristics, social impact, and risk reduction had a positive (significant) impact on behavioral finance, while financial literacy had a significant negative impact on behavioral finance. Behavioral financial factors have a significant positive impact on MSME business development. This means that Behavioral Finance as a mediation variable between Financial Satisfaction, Owner Characteristics, Financial Literacy, Risk Mitigation, Social Influence variables affecting on business development. Many of them (MSMEs) claimed that they have no experience of using digital technologies themselves, in this case, online transaction applications, and they still did not understand financial literacy. Future research on other variables that do have a positive and significant impact on MSME business development. The sample size also needs to be increased in size and diversity of the MSME sector by at least 60-70% in order for the study to better describe the situation and the state of the MSME.Keywords:behavioral finance, financial satisfaction, financial literacy, risk reduction, social impact business development

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Determinants of Behavioral Intentions to Use Sharia Financial Technology (Fintech)

Cited by 10 publications

References 35 publications

Adoption of Islamic Fintech in lending services through prediction of behavioural intention

Adoption of Islamic Fintech in lending services through prediction of behavioural intention

Predicting The Intention to Invest in Equity Crowdfunding in Indonesia

Behavioral Financial Aspects Analysis on MSMEs Business Development of Culinary Sector in Semarang City

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