Factors influencing user interest in using Sharia-compliant Fintech services: A case study of SyarQ in Yogyakarta, Indonesia

Yuli Andriansyah · José Moleiro Martins

5 citations0/0 files storedJournal of Islamic Economics Lariba

No readable copy stored yet — this record is metadata only.

No open-access location is known for this record yet.

Literature note Cite in a project Citation map

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

Abstract

IntroductionThe rapid growth of financial technology has led to the emergence of sharia-compliant services like SyarQ, an Islamic-based online installment platform. Understanding the factors that influence consumer interest in such services is essential for their adoption and success.ObjectivesThis study aims to analyze the factors affecting users' interest in using SyarQ's services by integrating the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB).MethodA quantitative and exploratory research design was employed, utilizing online questionnaires distributed to 100 verified SyarQ users. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to test the proposed hypotheses and examine the relationships between variables.ResultsThe findings reveal that user attitude has a positive and significant effect on the interest in using SyarQ services. Perceived behavioral control positively influences perceived ease of use but does not significantly affect interest directly. Perceived ease of use positively affects both attitude and perceived usefulness. Subjective norms have a positive and significant impact on perceived usefulness but do not significantly influence interest. Perceived usefulness does not have a significant effect on attitude or interest.ImplicationsThe study suggests that enhancing user attitudes and simplifying the user experience can increase consumer interest in Sharia-compliant fintech services like SyarQ. Providers should focus on improving the ease of use and addressing factors that positively influence user attitudes to attract and retain customers.Originality/NoveltyThis research contributes to the existing literature by combining TAM and TPB to examine user interest in a Sharia-compliant fintech platform. It offers valuable insights into consumer behavior within Islamic financial services, a relatively underexplored area.

Paper brief

Loading…

Cite this work

Citation unavailable for this work.

BibTeX RIS CSL-JSON

No public copy is stored for this record, so only the metadata is cited.

Citations in this library

Citation map →

Stored only when both papers are in the corpus — 5 citations exist upstream.

References

1991The theory of planned behavior 1989Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology 1989User Acceptance of Computer Technology: A Comparison of Two Theoretical Models 1985From Intentions to Actions: A Theory of Planned Behavior 1991Predicting User Intentions: Comparing the Technology Acceptance Model with the Theory of Planned Behavior 2013Sample Size Requirements for Structural Equation Models 2018On the Fintech Revolution: Interpreting the Forces of Innovation, Disruption, and Transformation in Financial Services 2010Lower bounds on sample size in structural equation modeling

Explore the map →

Papers that cite the same references — the relational fallback while embeddings are still backfilling.

Imported from OpenAlex (CC0) — nothing here is generated.