Faktor-Faktor Yang Mempengaruhi Minat Menggunakan Fintech Syariah

Abstract

This study aims to identify the factors that influence the interest of the people of Yogyakarta in using Islamic fintech by using the technology acceptance model (TAM). The sampling technique used purposive sampling so that the number of samples obtained was 150 respondents. This study was analyzed using a structural equation model partial least square (SEM-PLS) with the help of SmartPLS 3.2.9 software. The results of this study indicate that the intention to use sharia fintech is influenced by the individual attitude factor towards the presence of sharia fintech. Attitudes to use sharia fintech are influenced by perceived usefulness factors, perceived ease of use, and sharia compliance inherent in sharia fintech. This research can be considered for sharia fintech start-up companies in improving and optimizing the use of sharia fintech.

Analysis of The Influence of Attitudes and Perceptions on Decisions to Use Sharia Fintech Peer to Peer Lending in Indonesia with Satisfaction As an Intervening Variable

“…This shows that there is a significant influence between Attitudes towards the satisfaction of Fintech Syariah Peer To Peer Lending in Indonesia. Thus hypothesis 1 is accepted, the results of this study are in line with research conducted by(Misissaifi & Sriyana, 2021), with the title Factors Affecting Interest in Using Islamic Fintech Hypothesis 2 H2: Perception affects the satisfaction of Fintech Syariah Peer To Peer Lending in Indonesia. Based on the test results contained in Table…”

Analysis of User Reviews on the Use of Fintech Dana Syariah

“…Previous research was conducted by Misissaifi & Sriyana (2021) entitled "Factors Influencing Interest in Using Sharia Fintech using the Technology Acceptance Model (TAM)". In this study, the results showed that the factors that have the greatest role in accepting sharia fintech are attitudes and sharia compliance (Misissaifi & Sriyana, 2021). However, the research focuses on interest in using the application only.…”

Sharia e-commerce in Indonesia: Sharia peer to peer lending

“…The importance of sharia FinTech can also be seen from the point of view of equal distribution of income and economic justice, then it can also be used as an ethical alternative for society, especially for Muslims where FinTech sharia which is based on the principles of Islamic finance does not support the existence of various unethical practices including trade in weapons, liquor, pornography, gambling and others . So that Islamic FinTech can become a solution to the problems of the Islamic financial industry through the development of digital Islamic financial services (Misissaifi & Sriyana, 2021). The benefits of having sharia FinTech can be summarized, namely, helping MSME actors; free of usury, does not harm one party but benefits many parties; creating a process that is easier, more effective, efficient, economical, and safe (Wiyono, 2020).…”