Determination of Service Innovation, Attitude, and Satisfaction in Adopt Use of Sharia Fintech
DOI:
https://doi.org/10.37253/gfa.v6i2.6802Keywords:
Adopt of Sharia FinTech, Service Innovation, Attitude, SatisfactionAbstract
Purpose - The purpose of this paper is to analyze the determination of service innovation, attitudes and user satisfaction on the intention to use Sharia FinTech repeatedly.
Research Method – Using a survey approach to users and prospective users of Sharia FinTech services in the research area, the research sample was 195 respondents and then analyzed by path analysis using the Smart PLS analysis tool.
Findings - The authors find evidence that service innovation has an impact on perceived usefulness and perceived ease of use. Perceived ease of use, perceived usefulness both affect the attitude of service users. Attitude will have an impact on user satisfaction, from there users of sharia FinTech services will repeat their use because they feel satisfied.
Implication – The increase in service user needs to be considered by developers of sharia FinTech systems, what must be done is to innovate sharia FinTech services in terms of increasing the ease of fullness and fullness of use so that they are developed according to the wishes or needs of the service.
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References
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Arner, D. W., Barberis, J. N., & Buckley, R. P. (2015). The Evolution of Fintech: A New Post-Crisis Paradigm? SSRN Electronic Journal, October 2018. https://doi.org/10.2139/ssrn.2676553
Bhatia, A., Chandani, A., Divekar, R., Mehta, M., & Vijay, N. (2021). Digital innovation in wealth management landscape: the moderating role of robo advisors in behavioural biases and investment decision-making. International Journal of Innovation Science. https://doi.org/10.1108/IJIS-10-2020-0245
Firmansyah, E. A., & Anwar, M. (2019). Islamic Financial Technology (Fintech): Its Challenges and Prospect. February. https://doi.org/10.2991/assdg-18.2019.5
Fishbein, M., & Ajzen, I. (1975). Strategies of Change: Active Participation. In Belief, attitude, intention, and behavior: An introduction to theory and research.
Gatway, S. (n.d.). Global Islamic Fintech Report 2021. https://www.salaamgateway.com/reports/global-islamic-fintech-report-2021
Ghozali, I., & Latan, H. (2015). Konsep, Teknik, Aplikasi Menggunakan Smart PLS 3.0 Untuk Penelitian Empiris. BP Undip. Semarang.
Harahap, B. A., Idham, P. B., Kusuma, A. C. M., & Rakhman, R. N. (2017). Perkembangan Financial Technology Terkait Central Bank Digital Currency (CBDC) Terhadap Transmisi Kebijakan Moneter Dan Makroekonomi. In Bank Indonesia.
Hyun Soon, J., You, Y. Y., & Jeon, J. S. (2019). The effect of mobile payment service quality on usage intention - Focusing on the adjustment effect of user satisfaction. International Journal of Innovative Technology and Exploring Engineering.
Jiwasiddi, A., Adhikara, C., Adam, M., & Triana, I. (2019). Attitude toward using Fintech among Millennials. https://doi.org/10.4108/eai.26-1-2019.2283199
Laub, J. A. (1999). Assessing the servant organization; Development of the Organizational Leadership Assessment (OLA) model. Dissertation Abstracts International.
Majid, R. (2021). The Role of Religiosity in Explaining the Intention to use Islamic FinTech Among MSME Actors. International Journal of Islamic Economics and Finance (IJIEF), 4(2), 207–232. https://doi.org/10.18196/ijief.v4i2.11833
Mawarrini, R. I. (2017). Identifikasi Pembayaran Bergerak (Mobile Payment) yang Mengganggu (Disruptive) di Indonesia. Perisai : Islamic Banking and Finance Journal, 1(3), 215–226. https://doi.org/10.21070/perisai.v1i3.1179
Narayan, P. K., & Phan, D. H. B. (2019). A survey of Islamic banking and finance literature: Issues, challenges and future directions. Pacific Basin Finance Journal. https://doi.org/10.1016/j.pacfin.2017.06.006
Ginantra, N. L. W. S. R., Simarmata, J., Ramen A. Purba, Tojiri, M. Y, Duwila, A. A., Siregar, M. N. H., Nainggolan, L. E., Marit, E. L., Sudirman, A., & Siswanti, I. (2020). Teknologi Finansial Sistem Finansial Berbasis Teknologi di Era Digital. Yayasan Kita Menulis.
Nitzl, C. (2016). The use of partial least squares structural equation modelling (PLS-SEM) in management accounting research: Directions for future theory development. Journal of Accounting Literature, 37, 19–35. https://doi.org/10.1016/j.acclit.2016.09.003
Raza, S. A., Shah, N., & Ali, M. (2019). Acceptance of mobile banking in Islamic banks: evidence from modified UTAUT model. Journal of Islamic Marketing, 10(1), 357–376. https://doi.org/10.1108/JIMA-04-2017-0038
Ryu, H. S. (2018). What makes users willing or hesitant to use Fintech?: the moderating effect of user type. Industrial Management and Data Systems. https://doi.org/10.1108/IMDS-07-2017-0325
Sinha, M., Majra, H., Hutchins, J., & Saxena, R. (2019). Mobile payments in India: the privacy factor. International Journal of Bank Marketing, 37(1), 192–209. https://doi.org/10.1108/IJBM-05-2017-0099
Siregar, K. R. (2011). Kajian Mengenai Penerimaan Teknologi dan Informasi Menggunakan Technology Accaptance Model (TAM). Rekayasa, 4(1), 27–32.
Song, K. S. (2016). The Study of Business Model on Fintech Internet Only Bank. The E-Business Studies. https://doi.org/10.20462/tebs.2016.06.17.3.273
Sunan, U. I. N., Yogyakarta, K., & Yogyakarta, S. Y. (2021). and Fachmi Pachlevi Yandra. 9(1), 65–78.
Surendran, P. (2013). Technology Acceptance Model: A Survey of Literature. International Journal of Business and Social Research, 2(4), 175–178. https://doi.org/10.18533/ijbsr.v2i4.161
Tabash, M. I. (2017). A critique of the role of Islamic banking in economic growth and financial stability of gulf cooperation council (GCC) economies. International Journal of Economic Research, 14(10). https://www.scopus.com/inward/record.uri?partnerID=HzOxMe3b&scp=85028378658&origin=inward
Wachyu, W., & Winarto, A. (2020). Peran Fintech dalam Usaha Mikro Kecil dan Menengah ( UMKM ). Jurnal Ekonomi Dan Ekonomi Syariah (JESYA), 3(1), 61–73. https://doi.org/https://doi.org/10.36778/jesya.v3i1.132
Yildiz, O. (2021). A PLS-SEM approach to the consumer adoption of shopping via mobile apps. International Journal of Mobile Communications, 19(5), 589. https://doi.org/10.1504/ijmc.2021.117380
