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Abstract
In the development of industrial revolution 4.0, sharia financial institutions keep improving their product innovation through the use of financial technology (fintech). Through development and innovation, society is expected to keep up to date with the current financial services. This research aims to investigate how the interest in using sharia services affected by several factors, such as convenience, benefits, attitude, and suitability. This research uses a descriptive quantitative method through multi-linear regression analysis. The population of the research is Jepara people who use sharia fintech services. The sample is selected through incidental sampling. The research findings reveal that convenience, attitude, and benefit affect sharia fintech users' perceptions of the use of services provided by sharia financial institutions. Meanwhile, trust and suitability do not affect users' perceptions.
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References
- Ajzen, I. &. (1980). Understanding attitudes and predicting social behavior. London: Prentice Hall International.
- Alonso, J. &. (2004). Comportamiento del Consumidor. Decisiones y Estrategias de Marketing (5th ed.). Madrid: ESIC.
- Amalia, SNA (2018). Factors Affecting Individuals Against Financial Interests Technology (Fintech) Sharia (Paytren) As One Tool Payment Transactions (PendekatanTechnology Acceptance Model (TAM) and Theory Of Planned Behavior (TPB). IQTISHADUNA, 8 (1), 57-73. Retrieved from http://journal.uinmataram.ac.id/index.php/iqtishaduna/article/view/687
- Chandra, S., Srivastava, SC, and Theng, Y.-L. (2010). Evaluating the Role of Trust in Consumer Adoption of Mobile Payment Systems: An Empirical Analysis. Communications of the Association for Information Systems, 27, 561-588. Retrieved from http://aisel.aisnet.org/cais/vol27/iss1/29
- Davis, FD (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13 (3), 319. https://doi.org/10.2307/249008
- de Kerviler, G., Demoulin, NTM, and Zidda, P. (2016). Adoption of in-store mobile payment: Are Perceived risk and convenience the only drivers? Journal of Retailing and Consumer Services, 31, 334-344. https://doi.org/10.1016/J.JRETCONSER.2016.04.011
- Dr. Andri Soemitra, M. (2009). ISLAMIC BANKS AND FINANCIAL INSTITUTIONS. Jakarta: PRENAMEDIA GROUP.
- E-Marketer. (2014, November 24). Indonesian Internet users Number Six World. Taken back from the Ministry of Communication and Information of the Republic of Indonesia: https://kominfo.go.id/content/detail/4286/pengguna-internet-indonesia-nomor-enam-dunia/0/sorotan_media
- Fishbein, M. &. (1975). Belief, attitude, intention and behavior: An introduction to theory and research. Reading, MA: Addison-Wesley.
- Fishbein, M. (1963). An investigation of the relationships between beliefs about an object and the attitude toward that object. Human Relations, 16, 233-240.
- Fishbein, Martin, & Ajzen, I. (1975). Belief, Attitude, intetion, an Behavior: An Introduction to Theory and Research. Addison-Wesley: Reading, MA.
- Gu, J.-C., Lee, S.-C., & Suh, Y.-H. (2009). Determinants of behavioral intention to mobile banking. Expert Systems with Applications, 36 (9), 11605-11616. https://doi.org/10.1016/j.eswa.2009.03.024
- Gunawan, A. (2014). APPLICATION OF INTEREST IN THE TECHNOLOGY ACCEPTANCE MODEL FOR USING INTERNET BANKING CUSTOMERS. Nominal, Barometer and Management Accounting Research, 3 (2). https://doi.org/10.21831/nominal.v3i2.2695
- Helda. (2018, November 12). Not Just Money Lending Services, Corporate Coverage This Fintech. Taken back from Moneysmart: https://www.moneysmart.id/fintech-di-indonesia-ini-contoh-kategori-financial-technology/
- Indonesia, B. (2013). Financial Technologies (Fintech). Taken back from Bank Indonesia: https://www.bi.go.id/id/sistem-pembayaran/fintech/Contents/default.aspx
- Irmadhani, I. (2012). INFLUENCE OF PERCEPTION usefulness, PERCEPTION AND EASE OF USE OF COMPUTER SELF EFFICACY, USE OF ONLINE BANKING IN STUDENTS S1 YOGYAKARTA STATE UNIVERSITY FACULTY OF ECONOMICS. Indonesian Accounting Education Studies, 1 (3). Retrieved from https://journal.uny.ac.id/index.php/jkpai/article/view/882
- Kang, J. (2018). Mobile payment in Fintech environment: trends, security challenges, and services. Human-Centric Computing and Information Sciences, 8 (1), 32. https://doi.org/10.1186/s13673-018-0155-4
- Keminfo. (2015, October 02). Indonesia Giant Digital Technology Asia. Taken back from the Ministry of Communication and Information of the Republic of Indonesia: https://kominfo.go.id/content/detail/6095/indonesia-raksasa-teknologi-digital-asia/0/sorotan_media
- Kurniawan, D. (2013). Analysis of the Customer Acceptance Of Mobile Banking Services Using Technology Acceptance Model Approach and the Theory of Reasoned Action. Journal of Marketing Strategy, 1 (1). Retrieved from http://publication.petra.ac.id/index.php/manajemen-pemasaran/article/view/67
- Liébana-Cabanillas, F., Sánchez-Fernández, J., & Muñoz-Leiva, F. (2014a). Antecedents of the adoption of the new mobile payment systems: The moderating effect of age. Computers in Human Behavior, 35, 464-478. https://doi.org/10.1016/J.CHB.2014.03.022
- Liébana-Cabanillas, F., Sánchez-Fernández, J., & Muñoz-Leiva, F. (2014b). Antecedents of the adoption of the new mobile payment systems: The moderating effect of age. Computers in Human Behavior, 35, 464-478. https://doi.org/10.1016/J.CHB.2014.03.022
- Majid, M. (2014). Know Fintech, Financial System Innovation in the Digital Age. Taken back from Maxmanroe: https://www.maxmanroe.com/mengenal-fintech-inovasi-sistem-keuangan-di-era-digital.html
- Mayer, RC, Davis, JH, & Schoorman, FD (1995). An Integrative Model of Organizational Trust. The Academy of Management Review, 20 (3), 709. https://doi.org/10.2307/258792
- FSA, OJ (2019, January 21). Statistics IKNB. Taken back from the Financial Services Authority (FSA): https://www.ojk.go.id/id/kanal/iknb/data-dan-statistik/statistik-iknb/Pages/Statistik-IKNB-periode-Desember-2018- --Revisi.aspx
- Oliveira, T., Thomas, M., Baptista, G., & Campos, F. (2016). Mobile payment: Understanding the determinants of customer adoption and intention to recommend the technology. Computers in Human Behavior, 61, 404-414. https://doi.org/10.1016/J.CHB.2016.03.030
- Primary, B. (2016, May 31). Know more dekata "Financial Technology". Taken back from Inktomi University: https://business-law.binus.ac.id/2016/05/31/mengenal-lebih-dekat-financial-technology/
- Rahardjo, B. (2017 01 17). Fintech: New Services, New Threats? Taken back from Compass: https://money.kompas.com/read/2017/01/17/163319426/.fintech.layanan.baru.ancaman.baru.?page=all
- Slade, EL, Dwivedi, YK, Piercy, NC, & Williams, MD (2015). Modeling Consumers' Intentions Adoption of Remote Mobile Payments in the United Kingdom: Extending UTAUT with Innovativeness, Risk, and Trust. Psychology & Marketing, 32 (8), 860-873. https://doi.org/10.1002/mar.20823
- Rogers, EM (2003). Diffusion of inovations. New York: NY: Free Press.
- Stewart, H., & Jürjens, J. (2018). Data security and consumer trust in FinTech Innovation in Germany. Information and Computer Security, 26 (1), 109-128. https://doi.org/10.1108/ICS-06-2017-0039
- Suyanto, S., & Kurniawan, TA (2019). Factors Affecting the Use of FinTech Confidence in SMEs Using Technology Acceptance Model (TAM). AKMENIKA, 16 (1). Retrieved from https://journal.upy.ac.id/index.php/akmenika/article/view/166
- Wibowo, PA (2014). SPSS Training Model. Jepara: Nahdlatul Ulama Islamic University.
- Wijayanti Ruth. (2011). ANALYSIS TECHNOLOGY ACCEPTANCE MODEL (TAM) ON THE FACTORS AFFECTING THE CUSTOMER ACCEPTANCE OF INTERNET BANKING SERVICE (EMPIRICAL STUDY OF BANK CUSTOMERS IN DEPOK) | Request PDF. Proceeding PESAT (Psychology, Economics, Literature, Architecture and Civil), University Gunadarma, 4, 121-127. Retrieved from https://www.researchgate.net/publication/264888175_ANALISIS_TECHNOLOGY_ACCEPTANCE_MODEL_TAM_TERHADAP_FAKTOR-FAKTOR_YANG_MEMPENGARUHI_PENERIMAAN_NASABAH_TERHADAP_LAYANAN_INTERNET_BANKING_STUDI_EMPIRIS_TERHADAP_NASABAH_BANK_DI_DEPOK
- Wijaya, SW (2006). Theoretical Study of the Technology Acceptance Model For Model Approach To Determine willingness Strategies Encourage Users in Using Information and Communication Technology. Proceedings of the Conference on Information Systems.
References
Ajzen, I. &. (1980). Understanding attitudes and predicting social behavior. London: Prentice Hall International.
Alonso, J. &. (2004). Comportamiento del Consumidor. Decisiones y Estrategias de Marketing (5th ed.). Madrid: ESIC.
Amalia, SNA (2018). Factors Affecting Individuals Against Financial Interests Technology (Fintech) Sharia (Paytren) As One Tool Payment Transactions (PendekatanTechnology Acceptance Model (TAM) and Theory Of Planned Behavior (TPB). IQTISHADUNA, 8 (1), 57-73. Retrieved from http://journal.uinmataram.ac.id/index.php/iqtishaduna/article/view/687
Chandra, S., Srivastava, SC, and Theng, Y.-L. (2010). Evaluating the Role of Trust in Consumer Adoption of Mobile Payment Systems: An Empirical Analysis. Communications of the Association for Information Systems, 27, 561-588. Retrieved from http://aisel.aisnet.org/cais/vol27/iss1/29
Davis, FD (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13 (3), 319. https://doi.org/10.2307/249008
de Kerviler, G., Demoulin, NTM, and Zidda, P. (2016). Adoption of in-store mobile payment: Are Perceived risk and convenience the only drivers? Journal of Retailing and Consumer Services, 31, 334-344. https://doi.org/10.1016/J.JRETCONSER.2016.04.011
Dr. Andri Soemitra, M. (2009). ISLAMIC BANKS AND FINANCIAL INSTITUTIONS. Jakarta: PRENAMEDIA GROUP.
E-Marketer. (2014, November 24). Indonesian Internet users Number Six World. Taken back from the Ministry of Communication and Information of the Republic of Indonesia: https://kominfo.go.id/content/detail/4286/pengguna-internet-indonesia-nomor-enam-dunia/0/sorotan_media
Fishbein, M. &. (1975). Belief, attitude, intention and behavior: An introduction to theory and research. Reading, MA: Addison-Wesley.
Fishbein, M. (1963). An investigation of the relationships between beliefs about an object and the attitude toward that object. Human Relations, 16, 233-240.
Fishbein, Martin, & Ajzen, I. (1975). Belief, Attitude, intetion, an Behavior: An Introduction to Theory and Research. Addison-Wesley: Reading, MA.
Gu, J.-C., Lee, S.-C., & Suh, Y.-H. (2009). Determinants of behavioral intention to mobile banking. Expert Systems with Applications, 36 (9), 11605-11616. https://doi.org/10.1016/j.eswa.2009.03.024
Gunawan, A. (2014). APPLICATION OF INTEREST IN THE TECHNOLOGY ACCEPTANCE MODEL FOR USING INTERNET BANKING CUSTOMERS. Nominal, Barometer and Management Accounting Research, 3 (2). https://doi.org/10.21831/nominal.v3i2.2695
Helda. (2018, November 12). Not Just Money Lending Services, Corporate Coverage This Fintech. Taken back from Moneysmart: https://www.moneysmart.id/fintech-di-indonesia-ini-contoh-kategori-financial-technology/
Indonesia, B. (2013). Financial Technologies (Fintech). Taken back from Bank Indonesia: https://www.bi.go.id/id/sistem-pembayaran/fintech/Contents/default.aspx
Irmadhani, I. (2012). INFLUENCE OF PERCEPTION usefulness, PERCEPTION AND EASE OF USE OF COMPUTER SELF EFFICACY, USE OF ONLINE BANKING IN STUDENTS S1 YOGYAKARTA STATE UNIVERSITY FACULTY OF ECONOMICS. Indonesian Accounting Education Studies, 1 (3). Retrieved from https://journal.uny.ac.id/index.php/jkpai/article/view/882
Kang, J. (2018). Mobile payment in Fintech environment: trends, security challenges, and services. Human-Centric Computing and Information Sciences, 8 (1), 32. https://doi.org/10.1186/s13673-018-0155-4
Keminfo. (2015, October 02). Indonesia Giant Digital Technology Asia. Taken back from the Ministry of Communication and Information of the Republic of Indonesia: https://kominfo.go.id/content/detail/6095/indonesia-raksasa-teknologi-digital-asia/0/sorotan_media
Kurniawan, D. (2013). Analysis of the Customer Acceptance Of Mobile Banking Services Using Technology Acceptance Model Approach and the Theory of Reasoned Action. Journal of Marketing Strategy, 1 (1). Retrieved from http://publication.petra.ac.id/index.php/manajemen-pemasaran/article/view/67
Liébana-Cabanillas, F., Sánchez-Fernández, J., & Muñoz-Leiva, F. (2014a). Antecedents of the adoption of the new mobile payment systems: The moderating effect of age. Computers in Human Behavior, 35, 464-478. https://doi.org/10.1016/J.CHB.2014.03.022
Liébana-Cabanillas, F., Sánchez-Fernández, J., & Muñoz-Leiva, F. (2014b). Antecedents of the adoption of the new mobile payment systems: The moderating effect of age. Computers in Human Behavior, 35, 464-478. https://doi.org/10.1016/J.CHB.2014.03.022
Majid, M. (2014). Know Fintech, Financial System Innovation in the Digital Age. Taken back from Maxmanroe: https://www.maxmanroe.com/mengenal-fintech-inovasi-sistem-keuangan-di-era-digital.html
Mayer, RC, Davis, JH, & Schoorman, FD (1995). An Integrative Model of Organizational Trust. The Academy of Management Review, 20 (3), 709. https://doi.org/10.2307/258792
FSA, OJ (2019, January 21). Statistics IKNB. Taken back from the Financial Services Authority (FSA): https://www.ojk.go.id/id/kanal/iknb/data-dan-statistik/statistik-iknb/Pages/Statistik-IKNB-periode-Desember-2018- --Revisi.aspx
Oliveira, T., Thomas, M., Baptista, G., & Campos, F. (2016). Mobile payment: Understanding the determinants of customer adoption and intention to recommend the technology. Computers in Human Behavior, 61, 404-414. https://doi.org/10.1016/J.CHB.2016.03.030
Primary, B. (2016, May 31). Know more dekata "Financial Technology". Taken back from Inktomi University: https://business-law.binus.ac.id/2016/05/31/mengenal-lebih-dekat-financial-technology/
Rahardjo, B. (2017 01 17). Fintech: New Services, New Threats? Taken back from Compass: https://money.kompas.com/read/2017/01/17/163319426/.fintech.layanan.baru.ancaman.baru.?page=all
Slade, EL, Dwivedi, YK, Piercy, NC, & Williams, MD (2015). Modeling Consumers' Intentions Adoption of Remote Mobile Payments in the United Kingdom: Extending UTAUT with Innovativeness, Risk, and Trust. Psychology & Marketing, 32 (8), 860-873. https://doi.org/10.1002/mar.20823
Rogers, EM (2003). Diffusion of inovations. New York: NY: Free Press.
Stewart, H., & Jürjens, J. (2018). Data security and consumer trust in FinTech Innovation in Germany. Information and Computer Security, 26 (1), 109-128. https://doi.org/10.1108/ICS-06-2017-0039
Suyanto, S., & Kurniawan, TA (2019). Factors Affecting the Use of FinTech Confidence in SMEs Using Technology Acceptance Model (TAM). AKMENIKA, 16 (1). Retrieved from https://journal.upy.ac.id/index.php/akmenika/article/view/166
Wibowo, PA (2014). SPSS Training Model. Jepara: Nahdlatul Ulama Islamic University.
Wijayanti Ruth. (2011). ANALYSIS TECHNOLOGY ACCEPTANCE MODEL (TAM) ON THE FACTORS AFFECTING THE CUSTOMER ACCEPTANCE OF INTERNET BANKING SERVICE (EMPIRICAL STUDY OF BANK CUSTOMERS IN DEPOK) | Request PDF. Proceeding PESAT (Psychology, Economics, Literature, Architecture and Civil), University Gunadarma, 4, 121-127. Retrieved from https://www.researchgate.net/publication/264888175_ANALISIS_TECHNOLOGY_ACCEPTANCE_MODEL_TAM_TERHADAP_FAKTOR-FAKTOR_YANG_MEMPENGARUHI_PENERIMAAN_NASABAH_TERHADAP_LAYANAN_INTERNET_BANKING_STUDI_EMPIRIS_TERHADAP_NASABAH_BANK_DI_DEPOK
Wijaya, SW (2006). Theoretical Study of the Technology Acceptance Model For Model Approach To Determine willingness Strategies Encourage Users in Using Information and Communication Technology. Proceedings of the Conference on Information Systems.