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All Journal Ikonomika : Jurnal Ekonomi dan Bisnis Islam JKBM (JURNAL KONSEP BISNIS DAN MANAJEMEN)
Aydogmus, Ilkay
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Sharia Fintech Product on Bank Performance during COVID-19 Pandemic Laksana, Rio Dhani; Shaferi, Intan; Aydogmus, Ilkay
IKONOMIKA Vol 8, No 2 (2023)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v8i2.16521

Abstract

Throughout the COVID-19 epidemic, the Fintech sector has continued to increase access to financial services, especially in developing nations. This study aims to look at how Indonesian Sharia banks' performance is affected by Sharia fintech products (FTPs). Sharia fintech products are a combination of financial and technological innovations that can facilitate customers' transactions and investment processes based on rules and Islamic law so that customers intend to use the Sharia fintech products and then perform well in the bank. This study used 250 Sharia bank customers given self-designed questionnaires as part of our data collection. This study looked at the fictitious relationship, and the results reveal that FTPs have a considerable impact on bank performance, as indicated by the path coefficient and t-value using correlation regression analysis. The study's findings perspectives on how convenient Sharia fintech products (FTPs) are for users. Clients are more receptive to FTPs when they see their use and simplicity in everyday tasks and work. The study's conclusions show that bank performance is positively and significantly impacted by Sharia fintech products of financial transaction platforms (FTPs). Also, the COVID-19 epidemic hastened changes in how people engage with financial services, leading to a hitherto unheard-of demand from poor countries to accelerate their transition to open and safe digital money.
The Benefits, Effectiveness, and Risks of ShopeePay: Shaping Consumer Interest Budiman, Arief; Laksana, Rio Dhani; Aydogmus, Ilkay
JKBM (JURNAL KONSEP BISNIS DAN MANAJEMEN) Vol. 12 No. 1 (2025): JKBM (JURNAL KONSEP BISNIS DAN MANAJEMEN) NOVEMBER
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31289/jkbm.v12i1.15181

Abstract

This study examines how perceived benefits, system effectiveness, and perceived risks shape consumer interest in using ShopeePay as a digital payment platform in Indonesia. As digital payment adoption accelerates, understanding the key determinants of user preference becomes increasingly important for service providers. Data were collected from 185 active ShopeePay users through a structured question-naire and analyzed using multiple linear regression. The findings reveal that system effectiveness and perceived risks significantly influence consumer interest, whereas perceived benefits do not show a meaningful impact. These results suggest that users prioritize operational performance, transaction reliability, and security considerations over general convenience when evaluating digital payment plat-forms. This study contributes to the business and consumer behavior literature by offering empirical insights into the factors that drive e-wallet usage. Practical implications highlight the importance for fin-tech providers to strengthen service efficiency, enhance security features, and communicate system reliability to improve user engagement and competitive positioning.
Co-Authors Arief Budiman Intan Shaferi, Intan Laksana, Rio Dhani