The society’s perceptions on the use of fintech services in sharia financial institutions

Yuspita, Rinrin; Pebruary, Silviana; Kamala, Aulia Zahra Husnil

doi:10.20885/jeki.vol5.iss2.art6

Cited by 10 publications

(13 citation statements)

References 11 publications

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“…In addition, problems such as fraud, hacking, identity theft, and other cybercrimes are also the main reasons that reduce the trust of many people to use FinTech (Niswah et al, 2019). However, this study supports the result of a previous study conducted by (Niswah et al, 2019;Purwantini et al, 2020) and contrasts to research findings by Yuspita et al (2019).…”

Section: Discussioncontrasting

confidence: 79%

“…Kasri & Chaerunnisa (2020) found that attitude toward behavior has a positive significant effect on the intention of millennials in Indonesia to donate cash money digitally. The same thing is also found in empirical research conducted by Yuspita et al (2019) and Darmansyah et al (2020) that tested people's perceptions of using FinTech services provided by Islamic financial institutions found that ATB has a positive influence.…”

Section: Attitude Towards Behaviorsupporting

confidence: 70%

“…The intention to donate cash waqf digitally was also investigated by Amin, Rahim, Ramayah & Supinah (2014) and Kasri & Chaerunnisa (2020). Meanwhile, research on the intention of using FinTech and digital platforms for commercial purposes was conducted by Shaikh, Qureshi & Noordin (2020) and examined the determinants factors of investment intention in FinTech P2P Lending Platform for Malaysian users.In more detail, Yuspita, Pebruary & Kamala (2019), Darmansyah, Fianto, Hendratmi & Aziz (2020) and Purwantini, Athief, & Waharini (2020)empirically test the factors that influence the intention to use Islamic FinTech with the respondents from Indonesian people using Technology Acceptance Model TAM, Theory of Planned Behavior (TPB), and the unified theory of acceptance and use of technology (UTAUT) model. However, the previous research above has not yet tested empirically the intention of using Islamic FinTech to directly focus and target the segment of MSME actors as the majority of businesses in Indonesia, but still targeting the segment in general.…”

Section: Introductionmentioning

confidence: 99%

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The Role of Religiosity in Explaining the Intention to use Islamic FinTech Among MSME Actors

Majid

2021

IJIEF

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Islamic FinTech is growing rapidly and has become a new alternative of financing for micro, small, and medium enterprises (MSME) which are the backbone of the national economy. This study aims to examine the role of religiosity level of MSMEs actors on the intention to use Islamic FinTech. This research employed Partial Least Square - Structural Equation Modeling (PLS-SEM) method. The data collected using an online questionnaire adapted from previous research, then distributed to 100 Indonesian MSME actors and analyzed using smart PLS. The main result indicated religiosity plays a positively significant role in explaining the intention to use Islamic FinTech. In addition, Perceived Usefulness (PU), Perceived Ease of Use (PEOU), and Subjective Norm (SN) were also found to be influential, while both, Attitude Toward Behavior (ATB) and Perceived Behavioral Control (PBC), have no significant effect on behavioral intention. This research implicates the need for collaboration between the Financial Services Authority (OJK) as the regulator with Islamic FinTech institutions to improve literacy, providing incentives, strengthening consumer data protection, as well as integrating the values from the religious angle in the concept and practice of FinTech product and services that are based on Islamic guideline in order to attract the users from MSME actors.

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Section: Discussioncontrasting

confidence: 79%

Section: Attitude Towards Behaviorsupporting

confidence: 70%

Section: Introductionmentioning

confidence: 99%

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The Role of Religiosity in Explaining the Intention to use Islamic FinTech Among MSME Actors

Majid

2021

IJIEF

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“…These results support the previous findings of Chuang, Liu, and Kao [13] who found brand and service trust have a positive impact on people's attitudes to using FinTech services. In another study, Yuspita et al [14] found an impact of perceived ease and interest, perceived benefits and interest, and attitude and interest towards people's intention to use these services. This means that the convenience and benefits offered attract public interest in addition to the influence of other people who have already used the service which attracts the public as well.…”

Section: Introductionmentioning

confidence: 96%

Factors Influencing Generation Z Intention in Using FinTech Digital Payment Services

Aseng

2020

CogITo Smart Journal

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Many studies related to financial technology (FinTech), especially digital payment services, have been carried out. However, there is still a lack of studies that focus on Generation Z, especially their intention to use the service, while this generation is very familiar and is easily adaptable to new technologies. In addition, it is projected that this generation will contribute greatly to online transactions in Indonesia and even the world. For this reason, this study focuses on factors that can influence Generation Z’s intention to use digital payment services. There are five independent factors that will be tested, namely: culture, perceived security, performance expectancy, effort expectancy, and social influence. The research instrument was a questionnaire adopted from related literature, which was distributed online using the snowball and convenient sampling method. A total of 266 Generation Z people participated in this study. A descriptive statistic and multiple regression analysis were performed and found that simultaneously these five factors had a significant positive effect (Sig <.05) on the intention of Generation Z in using the service. This study concludes that service providers have to pay attention to these factors in attracting Generation Z.Keywords—digital payment services, financial technology, Generation Z

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“…;Rabbani & Thalassinos (2020);Yuspita, & Zahra (2019);Barata (2019);Firmansyah & Anwar, (2019). Financial literacy and value in sharia fintech in Indonesia has been done by Abdillah Ubaidi (2017) about the relationship between the phenomenon of information technology development with a financial institution, index of financial literacy and inclusion and benefit of Fintech in Indonesia with the SOR (Stimulus-Organism-Response) Model.…”

mentioning

confidence: 99%

Strategic Alliances between Sharia Microfinance Institutions and Financial Technology in Strengthening Small Micro Enterprises (MSEs)

Amalia¹,

Nurhalimah²

2020

IQTISHADIA

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Sharia microfinance and financial technology have a very significant role as an effective solution for accessing finance for small and micro-enterprises (MSEs). The research aims to investigate the business model used, type of contracts employed, other legal aspects, and the risk mitigation dimension involved. By utilizing qualitative methods and critically analyzing a specific case study related a business model by the alliances between PT Ammana Fintech Sharia and a sharia microfinance institution, BMT Syahida Ikaluin. In generating the data, interviews with several experts and practitioners. The study found that the business model used was based on crowdfunding, compliant with sharia principles dan has a strong basis both in positive law and Islamic edict (fatwa). The research showed that the strategic alliance between a sharia microfinance institution and financial technology is capable of strengthening access to capital sources for small and micro-enterprises. It also improves community financial literacy and financial inclusion. This research could contribute to the creation of innovative products concerning sharia microfinance and sharia financial technology. Furthermore, it could also become a benchmark in formulating policies to strengthen these strategic institutional alliances.

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The society’s perceptions on the use of fintech services in sharia financial institutions

Cited by 10 publications

References 11 publications

The Role of Religiosity in Explaining the Intention to use Islamic FinTech Among MSME Actors

The Role of Religiosity in Explaining the Intention to use Islamic FinTech Among MSME Actors

Factors Influencing Generation Z Intention in Using FinTech Digital Payment Services

Strategic Alliances between Sharia Microfinance Institutions and Financial Technology in Strengthening Small Micro Enterprises (MSEs)

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