Examining Customers' Intentions to Use Financial Technology in Islamic Banking

Abstract

This study investigates the impact of Islamic Shariah compliance on customer satisfaction, focusing on the mediating effect of service quality within the context of Islamic banking services. Data obtained randomly from 124 Islamic bank customers in Indonesia were analyzed using multiple linear regression in SPSS. The results demonstrate that various factors, including attitude, subjective norms, and behavioral control, significantly influence the propensity of Islamic bank customers to adopt financial technology services offered by Islamic banks. It is important to note that this study is primarily centered on fintech-enabled Islamic banking services. This study underscores the need for Islamic Financial Institutions to enhance the success of fintech services and to promote these offerings to customers. Furthermore, it encourages Islamic financial institutions to harness technological advancements that streamline customer banking transactions. This study provides Islamic banks with valuable insights into the optimization of technology-driven financial services.