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Riyanti Riyanti
Universitas Muhammadiyah Palopo
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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT PENGGUNAAN FINTECH SYARIAH PADA GENERASI Z DI KOTA PALOPO Mutmahinnah Andi Manrang; Asriany Asriany; Riyanti Riyanti
Jurnal Inovasi Bisnis Indonesia (JIBI) Vol. 4 No. 1 (2026): September
Publisher : PT. Tangrasula Tekno Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61896/jibi.v4i4.276

Abstract

ABSTRAK Temuan penelitian terdahulu mengenai faktor yang memengaruhi minat penggunaan fintech syariah belum seragam dan belum menggambarkan Generasi Z di kota berkembang seperti Kota Palopo. Penelitian ini bertujuan menganalisis pengaruh kemudahan penggunaan, kepercayaan, dan manfaat terhadap minat penggunaan fintech syariah pada Generasi Z di Kota Palopo. Penelitian menggunakan pendekatan kuantitatif dengan Technology Acceptance Model (TAM) yang dimodifikasi melalui penambahan variabel kepercayaan. Sampel ditentukan dengan teknik purposive sampling dan jumlahnya dihitung menggunakan rumus Slovin. Data primer dikumpulkan melalui kuesioner yang dibagikan kepada 393 responden; sebanyak 210 kuesioner kembali dan layak diolah. Data dianalisis dengan regresi linear berganda menggunakan SPSS. Hasil penelitian menunjukkan bahwa secara parsial kemudahan penggunaan, kepercayaan, dan manfaat berpengaruh positif dan signifikan terhadap minat penggunaan fintech syariah, dengan kepercayaan sebagai variabel yang paling dominan. Secara simultan, ketiga variabel tersebut juga berpengaruh signifikan dan menjelaskan 48,0% variasi minat penggunaan. Temuan ini menunjukkan bahwa semakin tinggi kemudahan, kepercayaan, dan manfaat yang dirasakan, semakin tinggi pula minat Generasi Z menggunakan fintech syariah. Penelitian ini berkontribusi pada pengembangan kajian keuangan syariah dan menjadi bahan pertimbangan bagi penyedia layanan fintech syariah dalam meningkatkan kualitas layanan. Kata Kunci: fintech syariah, kemudahan penggunaan, kepercayaan, manfaat, minat penggunaan ABSTRACT Findings of previous studies on the factors influencing the intention to use Islamic fintech are inconsistent and do not yet describe Generation Z in developing cities such as Palopo City. This study aims to analyze the effect of perceived ease of use, trust, and perceived usefulness on the intention to use Islamic fintech among Generation Z in Palopo City. It employs a quantitative approach using a modified Technology Acceptance Model (TAM) that incorporates trust as an additional variable. The sample was determined using purposive sampling, and the sample size was calculated with the Slovin formula. Primary data were collected through questionnaires distributed to 393 respondents; 210 questionnaires were returned and usable. The data were analyzed using multiple linear regression in SPSS. The results show that, partially, perceived ease of use, trust, and perceived usefulness have a positive and significant effect on the intention to use Islamic fintech, with trust being the most dominant variable. Simultaneously, the three variables also have a significant effect and explain 48.0% of the variation in intention to use. These findings imply that the higher the perceived ease of use, trust, and usefulness, the higher Generation Z’s intention to use Islamic fintech. This study contributes to the development of Islamic finance research and serves as a consideration for Islamic fintech providers in improving service quality. Keywords: Islamic fintech, perceived ease of use, trust, perceived usefulness, intention to use
Co-Authors Alimuddin Alimuddin Antong Antong Asriany Asriany Darnawati, Darnawati Dea Mirela Hilda Guntur Junaedi Junaedi Junaidi, Junaidi Kartini Kartini Muhammad Adhitya Muhammad Ath Thaariq Muhammad Fatur Rahman Mutmahinnah Andi Manrang Nurhuda Nurhuda Rahma Purnama Sari Rahmad Solling Hamid Rezkia Rezkia Rifqa Ayu Dasila Rifqa Ayu Dasilah S.E., M. Si., CTA., ACPA, , Dr. Antong, Sahrir, Sahrir Saldy Saputra Siska Nur Sofyan Syamsuddin Sultan Sultan Sundari, Sri Syarifuddin Syarifuddin Verina Elsa Zikra Supri Zikra Supri