UTAUT: Application of Financial Technology in Islamic Banks
DOI:
https://doi.org/10.33096/jmb.v10i1.536Keywords:
Fintech, Sharia Bank, UTAUTAbstract
Using the Unified Theory of Acceptance and Use of Technology (UTAUT), this research intends to examine the factors that affect Islamic banks' adoption of Fintech in Makassar City. Surveys and questionnaires filled out by a randomly selected sample of users of Fintech are being used for the study. According to the analyses conducted, there is a positive relationship between trust and intent, trust and usefulness, trust and perceived convenience, trust and attitude, knowledge and intent, knowledge and usefulness, knowledge and perceived ease, knowledge and perceived attitude, perceived usefulness and intent, perceived usefulness and intent, and perceived usefulness and perceived attitude. Users of BSI Makassar report a positive correlation between increased risk and increased intent, increased risk and increased perceived usefulness, increased risk and increased perceived convenience, and increased risk and increased attitude.
Downloads
References
Abrahão, R. de S., Moriguchi, S. N., &; Andrade, D. F. (2016). Intention of adoption of mobile payment: An analysis in the light of the Unified Theory of Acceptance and Use of Technology (UTAUT). RAI Revista de Administração e Inovação, 13(3), 221–230.
ADB. (2017). Accelerating Financial Inclusion in South-East Asia With Digital Finance, 86.
Carney, Mark. (2016). Enabling the Fintech transformation: Revolution, Restoration, or Reformation? BoE Speech, 16 June 2016.
Helmi Muhammad, et al. (2020). The Influence of Financial Technology on Islamic Banking: ANP-BOCR Approach. http://ojs.umsida.ac.id/index.php/
Hair et al. (2021). Partial Least Squares Structural Equation Modeling (PLS-SEM) Using R. Switzerland: Company Springer Nature.
Haryono Siswoyo. (2017). SEM Methods for Management Research Amos, Lisrel, PLS. East Jakarta: Luxima Metro Media.
Hida Hiyanti, et al. (2019). Opportunities and Challenges of Sharia Fintech (Financial Technology) in Indonesia. Scientific Journal of Islamic Economics, 5(03), 2019, 326-333. http://jurnal.stie- aas.ac.id/ index.php/jie
Indah Lestari Ritonga, et al. (2022). Efficiency of Fintech Application and Digitalization in Maximizing Sharia Banking Market Share During the Covid 19 Pandemic. Journal of Economics, Business & Entrepreneurship. https://jurnalpasca.unram.ac.id/index.php/alexandria
Lorenza Linda Hafifah, et al. (2022). Analysis of Factors Influencing Behavioral Intention and User Behavior in Fintech Shoopeepay Using the United Theory Of Acceptance And Use Of Technology (UTAUT) Model. http://journal.ubm.ac.id/ index.php/business-accounting
Rola Nurul Fajria. (2019). The potential synergy of fintech with Islamic banks in improving the performance of Islamic banking in Indonesia. Journal of Islamic Banking and Finance (2019, Vol. 3 No.1).
Ridwan Daud Mahande, et al. (20). UTAUT Model: An Approach to Evaluating E-Learning Admissions in Postgraduate Programs. Downloads/784-788%20Ridwan%20Daud%20 Mahande, %20Jasruddin%205.pdf
Saripudin, et al. (2021). Sharia Fintech Efforts to Accelerate MSME Growth in Indonesia. Scientific Journal of Islamic Economics, 7(01), 2021, 41-50. http://jurnal.stie- aas.ac.id/ index.php/jie
Viswanath Venkatesh, Michael G. Morris, Gordon B. Davis, F. D. D. (2003). Human Acceptance of Information Technology. International Encyclopedia of Ergonomics and Human Factors, Second Edition-3 Volume Set,27(3),425478. https://doi.org/10.1201/9780849375477.ch230
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2023 Jurnal Manajemen Bisnis
This work is licensed under a Creative Commons Attribution 4.0 International License.
