Acceptance of Islamic financial technology (FinTech) banking services by Malaysian users: an extension of technology acceptance model

Shaikh, Imran Mehboob; Qureshi, Muhammad Asif; Noordin, Kamaruzaman; Shaikh, Junaid Mehboob; Khan, Arman; Shahbaz, Muhammad Saeed

doi:10.1108/fs-12-2019-0105

Cited by 135 publications

(165 citation statements)

References 33 publications

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“…Perceived benefit is defined as the degree to which people believe that the use of information technology will enhance their job efficiency, while perceived ease of use is defined as the level at which people believe that the use of information technology will be effortless (Venkatesh & Bala, 2008). The model has been used by some researchers in the field of FinTech (Shaikh et al, 2020;Huei, Cheng, Seong, Khin & Bin, 2018;Hu, Ding, Li, Chen & Yang, 2019;Chang, Wong, Lee & Jeong, 2016;Amalia, 2018;Ichwan & Kasri, 2019).…”

Section: Technology Acceptance Modelmentioning

confidence: 99%

“…A few studies have been conducted related to consumer acceptance of Islamic FinTech services or Islamic FinTech services (Shaikh et al, 2020;Usman et al, 2020), but the majority have been focused on mobile banking (Elhajjar & Ouaida, 2019); digital payment (Amalia, 2018); and FinTech (Ichwan & Kasri, 2019;Niswah, Mutmainah & Legowati, 2019;Al nawayseh, 2020). Shaikh et al (2020) conducted a study of the factors that affect bank customers' acceptance of Islamic FinTech services in Malaysia. 205 sets of data were collected to test the technology acceptance model.…”

Section: Previous Studiesmentioning

confidence: 99%

“…According to the literature review, several factors have been used to investigate customers' intention to adopt FinTech, such as perceived ease of use, perceived usefulness, perceived trust, religiosity, image, attitude, subjective norms, and intention (Shaikh et al, 2020;Usman et al, 2020;Ichwan & Kasri, 2019;Niswah et al, 2019). Al nawayseh ( 2020) modified the TAM model to analyse factors that affected customers when choosing FinTech applications during the Covid-19 pandemic in Jordan.…”

Section: Model Developmentmentioning

confidence: 99%

“…Darmansyah, Fianto & Hendratmi (2020) analysed factors that affect such intention by comparing three models, namely the theory of planned behaviour, the theory acceptance model, and the theory of reasoned action. Another study conducted by Shaikh, Qureshi, Noordin, Shaikh, Khan & Shahbaz (2020) analysed five factors (consumer innovativeness, self-efficacy, perceived usefulness, perceive ease of use, and subjective norms) that influenced customer intention to use Islamic FinTech services in Malaysia, while the majority of other researchers have focused on mobile banking (Elhajjar & Ouiada, 2019;Singh & Srivastava, 2020;Munoz-Leiva, Climent-Climent & Liébana-Cabanillas, 2017), or digital payment (Amalia, 2018).…”

mentioning

confidence: 99%

“…The study used social influence, benefits, risks, and trust as independent variables. The study of Shaikh et al (2020) examined the factors that influence customers' intention to use Islamic FinTech in the context of Malaysia, one of the potential markets for Islamic-compliant products. The study used perceived usefulness, perceived ease of use, consumer innovativeness, self-efficacy, and subjective norms as the independent variables, and Islamic FinTech acceptance as the dependent variable.…”

mentioning

confidence: 99%

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How the Covid-19 Crisis Is Affecting Customers’ Intention to Use Islamic Fintech Services: Evidence From Indonesia

Nurfadilah

Samidi

2021

JIMF

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The objective of this study is to investigate the factors that are affecting customers’ intention to use Islamic FinTech services during the Covid-19 crisis. It expands the technology acceptance model (TAM) by adding government support as a new variable for the context of Islamic FinTech services during the pandemic. Using TAM as a framework, we propose a model outlining the impact of government regulation, perceived usefulness, perceived ease of use, perceived trust, and user innovativeness on consumer attitude behaviour and the intention to use Islamic FinTech services, such as payment and peer-to-peer lending. 220 sets of data were collected from an online survey and analysed using partial least squares-structural equation modelling (PLS-SEM). The results show that government support for Islamic FinTech during the Covid-19 pandemic has had an indirect impact on attitude behaviour in using Islamic services through perceived ease of use and perceived usefulness. Attitude behaviour was found to have an impact on intention.

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Section: Technology Acceptance Modelmentioning

confidence: 99%

Section: Previous Studiesmentioning

confidence: 99%

Section: Model Developmentmentioning

confidence: 99%

mentioning

confidence: 99%

mentioning

confidence: 99%

See 3 more Smart Citations

How the Covid-19 Crisis Is Affecting Customers’ Intention to Use Islamic Fintech Services: Evidence From Indonesia

Nurfadilah

Samidi

2021

JIMF

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Adoption of Fintech

Pushpa,

Jaheer Mukthar,

Ramya

et al. 2023

Fintech and Cryptocurrency

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FinTech solutions for sustainable agricultural value chains: A perspective from smallholder farmers

Rayhan,

Rahman,

Mamun

et al. 2024

Bus Strat Dev

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Smallholder farmers in developing nations face multifaceted challenges as they strive to secure fair prices for their agricultural products. With a primary focus on bolstering sustainable agricultural value chains (SAVC), this conceptual paper investigates the transformative potential of Financial Technology (FinTech) solutions. The study synthesizes insights from prior research on SAVC, hurdles faced by smallholder farmers, conventional strategies, and the untapped prospects offered by FinTech solutions in the agricultural sector. Utilizing the PRISMA strategy for comprehensive documentation retrieval, the study underscores the significance of creating a robust SAVC to empower smallholder farmers within the broader value chain landscape. It is found that Agri‐FinTech solutions represent a pivotal avenue for advancing living standards and cultivating agricultural sustainability in developing nations. The integration of FinTech solutions for agri‐credit mechanisms and product market facilitation catalyzes enabling pre‐production financing and ensures fair prices for smallholder farmers in the post‐production phase while neutralizing the value chain's exploitation potential. The study advocates for the expeditious adoption of information technology in developing countries, spotlighting the transformative role of Mobile Financial Services (MFS), which fortifies the agriculture sector, ensuring its resilience and responsiveness to the evolving demands of a globalized market. Drawing upon an evaluation of existing literature on FinTech‐enhanced agricultural initiatives in developing nations, the study outlines directions for future research and creates a path for a more nuanced understanding of the strategic enhancements necessary to fortify the SAVC, fostering a sustainable and equitable ecosystem for smallholder farmers.

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Acceptance of Islamic financial technology (FinTech) banking services by Malaysian users: an extension of technology acceptance model

Cited by 135 publications

References 33 publications

How the Covid-19 Crisis Is Affecting Customers’ Intention to Use Islamic Fintech Services: Evidence From Indonesia

How the Covid-19 Crisis Is Affecting Customers’ Intention to Use Islamic Fintech Services: Evidence From Indonesia

Adoption of Fintech

FinTech solutions for sustainable agricultural value chains: A perspective from smallholder farmers

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