使用加密货币的意图:社会和宗教观点

Noorfaiz Athallah Koeswandana, Fakhruddin Amanullah Sugino
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引用次数: 1

摘要

目的:本研究试图利用自我决定理论(SDT)和计划行为理论(TPB),从社会和宗教的角度找出影响加密货币使用意愿的因素。方法-使用有目的的抽样来选择受访者,并使用结构方程模型-池最小二乘法(SEM-PLS)进行分析。使用SmartPLS 3.2.9软件对100名受访者进行了研究和分析。研究结果-本研究的结果表明,FoMO和伊斯兰金融素养对使用加密货币的意图没有影响,而态度对使用加密货币的意图有积极影响。本研究的另一个发现是宗教信仰和主观规范对态度有影响,宗教信仰水平越高,伊斯兰金融素养越高。启示:本研究在理论上对金融行为和金融技术的研究有一定的贡献。在实际应用中,本研究可以为伊斯兰投资平台的开发者提供优化产品的参考。因为即使我们所有的受访者都是穆斯林,他们中的大多数人没有投资伊斯兰教产品,也没有打算参与加密货币。原创性-我们认为这项研究是第一个从宗教角度调查使用加密货币意图的实证研究,特别是伊斯兰金融知识。
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Intention to use cryptocurrency: Social and religious perspective
Purpose – This study tries to find out what factors influence the intention to use cryptocurrency from a social and religious perspective using Self Determination Theory (SDT) and Theory of Planned Behavior (TPB).Methodology – Respondents were chosen using purposive sampling targeting z generation and analyze using Structural Equation Modeling - Pooled Least Square (SEM-PLS). 100 respondents took part in this study and analyze using SmartPLS 3.2.9 Software.Findings – The result of this study indicates that FoMO and Islamic financial literacy does not have influences on intention to use cryptocurrency while Attitude has a positive effect on intention to use cryptocurrency. The other finding of this study is religiosity and subjective norms has influence on attitude while higher level of religiosity will increase the Islamic financial literacy.Implications – Theoretically, this study contributes to financial behavior and financial technology study. Practically, this study can be used by developer of sharia investment platform to optimize their product. Because even all of our respondents are a moslem, majority of them didn’t investing in sharia product but also don’t have intention to engage in Cryptocurrency. Originality – We believe this study is the first empirical study that investigates the intention to use cryptocurrency from a religious perspective, specifically Islamic financial literacy.
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来源期刊
自引率
0.00%
发文量
21
审稿时长
10 weeks
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