THE ACCEPTANCE FACTORS FOR ISLAMIC BANKING FINTECH SEVICES: EXTENDED TECHNOLOGY ACCEPTANCE MODEL (TAM) APPROACH

Lailatur Rohmah · Nurul Lailatul Mumtahanah · Evrina Ross Pratiwi

4 citations0/0 files storedAirlangga International Journal of Islamic Economics and Finance

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Technology Adoption and User Behaviour Islamic Finance and Banking Studies FinTech, Crowdfunding, Digital Finance

Abstract

Era 4.0 requires Islamic banking to optimize its services through digital platforms to make it easier for customers to transact. Indonesia is a large market for Islamic banking products, so Islamic banking should provide the best possible digital services and people will be more interested in using Islamic bank products. Therefore, it is necessary to analyze the factors that influence customers in using Islamic bank services online so that the quality of digital services can be improved. This study aims to determine the factors that influence the acceptance of Islamic bank customers for financial technology (Fintech) services in Indonesia by using the Extended Technology Acceptance Model (TAM) approach. The TAM model states that system users tend to use the system if the system is easy to use and useful for its users. Extended TAM adds a consumer innovation variable, namely the degree to which an individual is relatively earlier in adopting an innovation than other members of the system. This research is a type of quantitative research using primary and secondary data. Primary data was obtained from a survey of Islamic bank customers using convenience sampling. Secondary data is obtained from related literature sourced from journals, articles, books, and official government or banking websites. The results show that the acceptance of Islamic banking fintech services in Indonesia is determined by the perceived ease of use and customer innovation (consumer innovativeness), while the perceived usefulness does not affect the acceptance of Islamic bank customers for the use of mobile banking. This research will be useful as a reference for policymakers, academics, and researchers in the future.

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References

1985A technology acceptance model for empirically testing new end-user information systems : theory and results 2015The Evolution of Fintech: A New Post-Crisis Paradigm?2021User Innovativeness and Fintech Adoption in Indonesia 2020Acceptance of Islamic financial technology (FinTech) banking services by Malaysian users: an extension of technology acceptance model 2022Fintech Adoption Drivers for Innovation for SMEs in Indonesia 2020Factors determining behavioral intentions to use Islamic financial technology 2020What drives students’ intention to use tablet computers: An extended technology acceptance model 2022Do Digital Finance and the Technology Acceptance Model Strengthen Financial Inclusion and SME Performance?

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