D. Setiawan, Darwanto Darwanto, Edy Yusuf Agung Gunanto
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引用次数: 6
摘要
伊斯兰金融科技的增长与大多数穆斯林人口不成比例。只有少数研究讨论了使用伊斯兰金融科技的消费者的行为意图。本研究旨在确定影响穆斯林使用伊斯兰金融科技的行为意向的因素。这项研究对四种伊斯兰金融科技(数字支付、贷款、众筹以及风险与管理)的400名受访者进行了调查。本研究采用结构方程建模-偏最小二乘法(SEM-PLS)方法。可变计划行为(PB)、接受模型(AM)、技术使用(UT)、数字素养(DL)和伊斯兰教法金融素养(SFL)对行为意向(BI)有显著的正向影响。本研究为改善互联网接入基础设施的分布和提高数字素养、伊斯兰金融素养以及更容易获得的金融科技服务的正确课程提供了建议。JEL分类:D83, D91, G2, z1引文来源:Setiawan, D, Darwanto。, & Gunanto, E. Y. A.(2021)。使用伊斯兰金融技术的行为意图的决定因素。[j] .经济研究,2010,(2),325-342。https://doi.org/10.15408/sjie.v10i2.21451。
Determinants of Behavioral Intentions to Use Sharia Financial Technology (Fintech)
The growth of sharia fintech is not proportional to the majority of the Muslim population. There are only a few studies that discuss the behavioral intentions of consumers who use sharia fintech. This study aims to identify the factors influencing Muslim's behavioral intentions in using sharia fintech. This study conducted 400 respondents in four types of sharia fintech (digital payment, lending, crowdfunding, and risk and management). This study uses a structural Equation Modeling - Partial Least Square (SEM-PLS) approach. Variable Planned behavior (PB), Acceptance Model (AM), Use of Technology (UT), Digital Literacy (DL), and Sharia Financial Literacy (SFL) have significant positive effects on Behavior Intention (BI). This study provides recommendations to improve the distribution of internet access infrastructure and the right curriculum in increasing digital literacy, Islamic finance literacy, and also more accessible fintech services.JEL Classification: D83, D91, G2, Z1How to Cite:Setiawan, D., Darwanto., & Gunanto, E. Y. A. (2021). Determinants of Behavioral Intentions to Use Sharia Financial Technology. Signifikan: Jurnal Ilmu Ekonomi, 10(2), 325-342. https://doi.org/10.15408/sjie.v10i2.21451.