Factors Affecting the Intention to Use Sharia FinTech: The Mediating Role of Islamic Financial Literacy

Hesniati Hesniati (Universitas Internasional Batam, Batam, Indonesia)
Aurelia Carissa Anindita Wiyono (Universitas Internasional Batam, Batam, Indonesia)
Yulfiswandi Yulfiswandi (Universitas Internasional Batam, Batam, Indonesia)

Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit
Vol. 13 No. 2 (2026)

The limited adoption of Sharia FinTech shows the need to better understand what influences users’ intention to use these services. r. Survey data were obtained from 339 individuals in Indonesia using purposive sampling. The data were examined using Partial Least Squares-Structural Equation Modelling (PLS-SEM). The findings show that perceived trust significantly affects intention, while religiosity, Sharia compliance, and perceived risk do not have significant direct effects. All four factors significantly affect Islamic financial literacy, which then positively affects intention. Islamic financial literacy shows indirect-only mediation for religiosity, Sharia compliance, and perceived risk, while perceived trust shows complementary mediation. Theoretically, this study extends the Theory of Planned Behavior by showing that Islamic financial literacy helps explain how users’ beliefs and perceptions influence adoption intention. Practically, the findings highlight the importance of strengthening user trust and Islamic financial understanding to support Sharia FinTech adoption.