Investigating the Determinants of Islamic Mobile FinTech Service Acceptance: A Modified UTAUT2 Approach

Hassan, Md. Sharif; Islam, Md. Aminul; Yusof, Mohd Faizal; Nasir, Hussen; Huda, Nasrin

doi:10.3390/risks11020040

Cited by 18 publications

(13 citation statements)

References 50 publications

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“…In addition, performance expectancy has a significant impact on users' behavioral intention and this result is validated by prior research findings (Rabaa'i, 2021;Alkhwaldi et al, 2022;Kurniasari et al, 2023), but contradictory results have also been reported (Hassan et al, 2023;Ramprakash et al, 2023). Furthermore, it was found that performance expectancy significantly influences customer satisfaction, and our finding is supported by Chao (2019) and contradicted by Esawe (2022).…”

Section: Findings and Discussionsupporting

confidence: 87%

“…In addition, it was identified that effort expectancy is a significant determinant that affects consumers’ behavioral intention. Rubaia and Pria (2022), Rabaa’i (2021) and Kurniasari et al (2023) validate our findings, but Hassan et al (2023) and Hassan et al (2022) contradict our findings. Moreover, it was uncovered that there is a significant impact of effort expectancy on customer satisfaction, which is supported by past studies of Chao (2019) and Esawe (2022).…”

Section: Findings and Discussionsupporting

confidence: 84%

See 1 more Smart Citation

Adoption of digital payment FinTech service by Gen Y and Gen Z users: evidence from India

Srivastava,

Mohta,

Shunmugasundaram

2023

DPRG

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Purpose This study aims to evaluate the users’ behavioral intention toward the acceptance and adoption of digital payment FinTech services in India. The study also compares the differences in Gen Y and Gen Z’s intention to adopt digital payment FinTech services. Design/methodology/approach The present study adopted both the unified theory of acceptance and use of technology (UTAUT) and the technology acceptance model (TAM) as its theoretical base and also added financial literacy and customer satisfaction. The data was analyzed by applying structural equation modeling using SmartPLS 4. Findings The outcomes of the study imply that customer satisfaction, effort expectancy and performance expectancy had a significant effect on behavioral intention. Moreover, effort expectancy, performance expectancy and perceived enjoyment had a significant influence on customer satisfaction, and effort expectancy and performance expectancy is significantly influenced by perceived enjoyment, while self-efficacy significantly influenced perceived enjoyment. Also, financial literacy does not moderate the relationship between effort expectancy, performance expectancy, facilitating condition and behavioral intention. Furthermore, the association of effort expectancy → customer satisfaction; perceived enjoyment → customer satisfaction; and perceived enjoyment → effort expectancy is moderated by age factor. Originality/value This study contributes by developing a more cohesive and unified model for assessing users’ behavioral intention toward acceptance and adoption of FinTech services by adopting constructs from the UTUAT and TAM and incorporating financial literacy and customer satisfaction to expand and enhance the theoretical prospect of the existing literature.

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Section: Findings and Discussionsupporting

confidence: 87%

Section: Findings and Discussionsupporting

confidence: 84%

Adoption of digital payment FinTech service by Gen Y and Gen Z users: evidence from India

Srivastava,

Mohta,

Shunmugasundaram

2023

DPRG

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“…Perceived Credibility significantly influences the adoption of digital sharia banking services by customers, in line with previous research (Hassan et al, 2023). As sharia banking digital services are relatively new compared to conventional banking, credibility becomes vital for customers due to its relationship with transaction risks.…”

Section: Discussionsupporting

confidence: 81%

Behavioral intention to adopt Islamic banking digital services: A modified UTAUT2 approach

Pratiwi

2023

JED

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Purpose — This research aims to identify the factors that influence customers in using digital Islamic banking services by modifying the UTAUT2 model to include Perceived Credibility and Perceived Risk variables.Method — This research employs a quantitative approach to test and validate the hypotheses formulated. The study population consists of Islamic bank customers in Indonesia. For sample selection, a purposive sampling technique was employed, with the inclusion criterion being that respondents must be Islamic bank customers who have utilized digital Islamic banking services. Data were collected from 373 Islamic bank customers through online Google Forms. The data analysis technique utilized in this research is the Partial Least Squares (PLS) method, conducted using SmartPLS software.Result — The research results indicate that nearly all UTAUT2 variables significantly impact customers' adoption of digital Islamic banking services. Specifically, Perceived Credibility significantly influences customers' adoption of these services, and similarly, Perceived Risk significantly affects customers' adoption of digital Islamic banking services.Contribution — This research introduces a novel framework by modifying the UTAUT2 model, incorporating the variables of Perceived Credibility and Perceived Risk as extensions to the UTAUT2 model.

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“…The UTAUT2 paradigm is far more pertinent when considering individual consumers and how well they accept technology while using it to access internet services. The adoption of mobile FinTech [30], mobile banking [31], and mobile payment [32] [27], [28], for example, have all been found to be better explained by the UTAUT2 model, which connects a variety of technological and behavioral elements. This investigation follows the DL&ML model, the TAM, and UTAUT2 [33] theories as the conceptual model for examining the student adoption of video recordings within the subject Introduction to Databases Practicum course.…”

Section: Methodsmentioning

confidence: 99%

Student Adoption of Asynchronous Learning

Arista,

Indriana,

Yulnelly

2024

Int. J. Adv. Sci. Eng. Inf. Technol.

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The educational process has been reorganized due to the epidemic, requiring educators to adopt new approaches to remote and virtual learning techniques. Future educators will employ strategies based on the use of social media, the production of videos, and the usage of virtual platforms. To develop learning videos that support online learning practicum activities or distance learning in Introduction to Databases Practicum courses, this research aims to investigate student acceptance of asynchronous learning video recordings of online learning practicum of introduction to databases in the COVID-19 pandemic. This study adopted the DeLone and McLean’s Information System Success Model (DL&ML model), the Technology Acceptance Model (TAM), and the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) theories as the conceptual framework for examining the student adoption of video recordings in the context Introduction to Databases Practicum course. Using SmartPLS 4 software, the data were modeled and evaluated utilizing the Partial Least Square Structural Equation Model (PLS-SEM). According to the 126-sample data, Perceived Ease of Use, Perceived Usefulness, Video Quality, and Information Quality affected behavioral intention to use Video Recordings during the Introduction to Databases Practicum when Covid-19 was a pandemic. The behavioral intention influences the use behavior of Video Recordings. It is suggested that the government create an adequate infrastructure to support online learning and help lecturers gain more knowledge and expertise in using technology, particularly when developing, implementing, and conducting evaluations of online learning.

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Investigating the Determinants of Islamic Mobile FinTech Service Acceptance: A Modified UTAUT2 Approach

Cited by 18 publications

References 50 publications

Adoption of digital payment FinTech service by Gen Y and Gen Z users: evidence from India

Adoption of digital payment FinTech service by Gen Y and Gen Z users: evidence from India

Behavioral intention to adopt Islamic banking digital services: A modified UTAUT2 approach

Student Adoption of Asynchronous Learning

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