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All Journal Islamic Economic and Business Journal International Journal of Islamic Business and Economics (IJIBEC)
Mohammad Rosyada
Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan
Religion Economics, Econometrics & Finance Environmental Science

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The Role of Financial Technology in Enhancing Cloud Accounting Adoption in the Banking Sector: Evidence from Palestinian Banks Raed Abueid; Kuat Ismanto; Mohammad Rosyada
International Journal of Islamic Business and Economics (IJIBEC) Vol 10 No 1 (2026): Volume 10 Nomor 1 Tahun 2026
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/r2gstq81

Abstract

This study aims to examine the role of financial technology (FinTech) in enhancing the adoption of cloud accounting within banks operating in Yatta City, Palestine. The research specifically investigates the influence of FinTech dimensions, including financial technology applications, digital platforms, and technological techniques, on the effectiveness of cloud accounting implementation in the banking sector. The study employed a quantitative research design using a structured questionnaire distributed to employees of Palestinian banks. A total of 28 valid responses were collected and analyzed using descriptive statistics and simple regression analysis to evaluate the relationship between FinTech adoption and cloud accounting practices. The findings indicate that the adoption of financial technology among Palestinian banks is relatively high, particularly in the use of digital banking applications, automated teller machines, and mobile banking services. Cloud accounting implementation was also perceived positively by employees, especially regarding accessibility, operational efficiency, data integration, and financial information security. Regression analysis revealed a statistically significant positive relationship between financial technology and cloud accounting adoption. Among the examined dimensions, financial technology applications showed the strongest influence, followed by technological techniques and digital platforms. This study contributes to the literature on digital transformation in banking by integrating FinTech and cloud accounting perspectives in a developing-country context. The findings provide practical insights for policymakers and banking institutions to strengthen digital accounting infrastructure, improve financial service delivery, enhance employee digital competencies, and invest in secure cloud-based financial systems to support sustainable banking innovation.
DETERMINANTS OF INTEREST IN USING E-WALLETS IN TRANSACTIONS BETWEEN MUSLIM TRADERS AND CONSUMERS: FINANCIAL LITERACY, PERCEPTION OF EASE AND PERCEPTION OF RISK: (CASE STUDY IN THE TRADITIONAL MARKETS OF PEKALONGAN CITY) Weni Novia Lestari; Mohammad Rosyada
Islamic Economic and Business Journal Vol. 8 No. 1 (2026): Islamic Economic and Business Journal
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/iebjournal.v8i1.12137

Abstract

This study aims to analyze the influence of financial literacy, perceived ease of use, and perceived risk on the interest in using e-wallets in transactions between Muslim traders and consumers in traditional markets in Pekalongan City. This quantitative study used a questionnaire as a data collection instrument with a sample of 96 respondents taken using a purposive sampling technique. The collected data were then processed using Eviews. The results showed that financial literacy had a positive and significant influence on the interest in using e-wallets. However, perceived ease and perceived risk do not influence interest in using e-wallets. However, simultaneously, financial literacy, perceived ease of use, and perceived risk had a significant influence on the interest in using e-wallets
Co-Authors Kuat Ismanto Raed Abueid Weni Novia Lestari