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All Journal STI Policy and Management Journal TAFAQQUH: Jurnal Hukum Ekonomi Syariah Dan Ahwal Syahsiyah Journal of Enterprise and Development (JED) Jurnal Manajemen Pelayanan Hotel Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Jurnal Pengabdian kepada Masyarakat Nusantara Journal of Economics Research and Social Sciences Jurnal Industri Pariwisata International Journal of Islamic and Social Sciences (ISOS) Jurnal Pariwisata Nusantara
Johari, Muhamad
Universitas Islam Negeri Mataram
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : STI Policy and Management Journal

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Sharia Meets Digital Finance: How Innovativeness Constructs Influence Islamic Fintech Adoption Johari, Mohamad; Supiandi, Supiandi; Loreño, Dustin Tarinque
STI Policy and Management Journal Vol 10, No 1 (2025): STI Policy and Management
Publisher : National Research and Innovation Agency, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14203/STIPM.2025.415

Abstract

This study investigates the key determinants of Islamic FinTech adoption by extending the Technology Acceptance Model (TAM) framework to include Perceived Sharia Compliance and Perceived Innovativeness as antecedent variables. A quantitative approach was employed using survey data from 380 Islamic bank customers in Indonesia who had experience with Islamic FinTech services. The findings reveal that both antecedent variables positively influence Perceived Ease of Use and Perceived Usefulness, confirming the relevance of both religious values and innovation perceptions in shaping users’ attitudes. Consistent with TAM, Perceived Ease of Use impacts Perceived Usefulness and Behavioral Intention, while Perceived Usefulness is a key driver of customers’ intention to utilize Islamic FinTech services. Additionally, Behavioral Intention significantly predicts Actual Adoption, which subsequently enhances Customers’ Satisfaction. Mediation analysis results further shows that Behavioral Intention partially mediates the relationships between TAM beliefs and Actual Adoption. This study has contributed to the growing body of Islamic banking literature by enriching the TAM framework with culturally relevant and innovation-oriented constructs. The findings provide important insights for Islamic banks and FinTech service providers, highlighting the needs to develop Shariacompliant, user-friendly, and technologically advanced services to drive customers’ adoption and satisfaction. Recommendations and future studies directions are also discussed.
Co-Authors ., Hariono ., Jumaidin ., Syukriati Abdul Hadi Sukmana Ambarphat, Sasha i Atmayanti, Tati Azizurrohman, Muhammad Bayu Ardi Angga Hariono Hariono Hariono Hariono Hariono Herjuan, Tegar Kasyfur Rahman Loreño, Dustin Tarinque Maruf Maruf, Maruf Ma’ruf, Ma’ruf Ridawati, Mujiatun Sri Ayu Lestari Sugianto , Jeki Sumardani, Rizki Supiandi, Supiandi Teguh Iman Pribadi Teguh Iman Pribadi Zulfa, Aulia Diana