Understanding the Adoption of SADAD E-Payments

Soomro, Yasir Ali

doi:10.4018/ijebr.2019010104

Cited by 29 publications

(24 citation statements)

References 55 publications

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“…Religiosity is a factor in life satisfaction (Krok, Zarsycka & Telka, 2021). Likewise, Islamic religiosity had a moderating role in the relationship between intention and the use of internet banking products (Soomro, 2019). In addition, the role of perceived behavioral control on the intention to behave ethically differed between those with high and low religiosity.…”

Section: The Moderating Role Of Religiositymentioning

confidence: 91%

The Role of Islamic Religiosity on the Relationship Between Risk, Trust, and Intention to Use Digital Payments During the COVID-19 Pandemic

Sutarso¹

2022

IJIEF

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There has been limited study on risk perception faced by digital payment customers, particularly during the COVID-19 pandemic, motivating this study to analyze the role of risk and trust on the intention and use of digital payments and confirm the moderating role of Islamic religiosity in the model. This study used the Partial Least Squares -Structural Equation Model (PLS-SEM) method, including a survey of 270 customers of three digital payment service providers: OVO, Gopay, and Dana. The key finding revealed that security and operational risks significantly impacted trust, even though they did not affect the intention to continue. Another significant result uncovered that Islamic religiosity moderated the effect of operational risk on trust. In this case, customers with a lesser religiosity level were more sensitive to the risk's impact. The significant contribution of this study is an expanding theory on the relationship between perceived risk, trust, and the use of digital payments. The study also offers recommendations to practitioners on managing risk and trust to increase the likelihood of using digital payment in the future. Furthermore, practitioners must consider religiosity regarding risk management, trust, and consumer protection.

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Section: The Moderating Role Of Religiositymentioning

confidence: 91%

The Role of Islamic Religiosity on the Relationship Between Risk, Trust, and Intention to Use Digital Payments During the COVID-19 Pandemic

Sutarso¹

2022

IJIEF

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“…constructs used by the researchers mostly point to the UTAUT framework (Chhonker et al, 2017). Recent trends in Islamic Fintech applications use UTAUT as the theoretical framework to predict consumer behaviour (Soomro, 2019;Prasetio and Suryanegara, 2021). UTAUT is chosen in financial and financial technology research because most studies prove that UTAUT contributes to more than 60% variance to the usage intention and consumer behaviour (Mohd Thas Thaker et al, 2021) UTAUT is comprised of several independent variables such as performance expectancy, effort expectancy, social influence and facilitating conditions for measuring behavioural intentions and technology use.…”

Section: Measurement and Structural Modellingmentioning

confidence: 99%

“…In this study, an individual is assumed to be influenced by the people around them to use Islamic Fintech. Social influence is empirically related and influences the intention to adopt Fintech and Islamic Fintech (Soomro, 2019;Xie et al, 2021). Therefore, the following hypothesis was proposed:…”

Section: Measurement and Structural Modellingmentioning

confidence: 99%

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Measurement and structural modelling on factors of Islamic Fintech adoption among millennials in Malaysia

Rahim

Bakri

Fianto

et al. 2022

JIMA

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Purpose This study aims to examine the results of structural equation modelling in applying unified theory of acceptance and use of technology in adopting Islamic Fintech among millennials in Malaysia via measurement and structural models. Design/methodology/approach A total of 418 valid responses have been obtained from Malaysians who are using Islamic Fintech. Before the data is analysed into measurement and structural modelling preliminary analysis such as common method bias has been conducted. Findings All the requirements for model fit in this study have been achieved. Four exogenous constructs are performance expectancy, effort expectancy, social influence and facilitating condition. The mediating construct is behavioural intention, whereas the endogenous variable is user adoption. All exogenous constructs show significant p-values except for effort expectancy. Practical implications This study offers important implications, specifically for the digital economy that is currently making its way throughout every aspect of human life, namely, social, religious, financial transaction, entertainment and others. The impact of the digital economy can be traced through the emergence of Fintech. The adoption of Islamic Fintech is one of the least discussed areas academically, therefore, this study is considered necessary to explore the prediction of consumer behaviour in Islamic Fintech adoption as a part of the digital economy in Malaysia. Originality/value This study fills the perceived gap in the existing financial technology literature by assessing Islamic financial technology adoption via measurement and structural modelling.

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“…Since its development, the UTAUT has been applied and experimented within various fields to explain and understand the individual behavior towards a particular technology. For instance, it has been used in the fields such as e-commerce, online shopping, and social commerce [88][89][90][91], e-government [92,93], mobile banking and mobile payment [26,[94][95][96][97], e-learning [98,99], e-tourism [100,101], and mobile Internet usage [102].…”

Section: Unified Eory Of Acceptance and Use Of Technology (Utaut) One Of The Widely Used Technology Acceptance Theories Is The Technologymentioning

confidence: 99%

The Impact of Context Awareness and Ubiquity on Mobile Government Service Adoption

Mensah

Mwakapesa

2022

Mobile Information Systems

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Context awareness and mobile factor ubiquity are considered key factors when it comes to mobile technology development and diffusion. Context is vital in interactive applications particularly when the context of users changes frequently and rapidly in the environment of handheld-mobile and ubiquitous technology systems. The understanding of the context and ubiquity in the development and diffusion of mobile government can influence the delivery of efficient public services. Mobile context-aware computing systems can respond to the changes in the environment in an intelligent way to provide a better consumer experience for users. This study explored the impact of context awareness and mobile factor ubiquity on the adoption of mobile government services. The framework of this study was based on the unified theory of acceptance and use of technology (UTAUT). The structural equation model (SEM) with SmartPLS 3.0 was used to conduct the data analysis. The analysis which was based on the 366 samples generated has shown that while context awareness was not significant in determining both the performance and intention to use, it was however significant in determining the effort expectancy of mobile government services. Also, mobile factor ubiquity was found to be a positive predictor of effort expectancy, intention to use, and context awareness. However, the mobile factor ubiquity does not determine the performance expectancy of mobile government services. The implications (managerial and theoretical) of these and other result findings of the study are discussed.

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Understanding the Adoption of SADAD E-Payments

Cited by 29 publications

References 55 publications

The Role of Islamic Religiosity on the Relationship Between Risk, Trust, and Intention to Use Digital Payments During the COVID-19 Pandemic

The Role of Islamic Religiosity on the Relationship Between Risk, Trust, and Intention to Use Digital Payments During the COVID-19 Pandemic

Measurement and structural modelling on factors of Islamic Fintech adoption among millennials in Malaysia

The Impact of Context Awareness and Ubiquity on Mobile Government Service Adoption

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