Wibowo, Dedi (2024) Determinants of behavior intention Islamic fintech in Indonesia: The integration of UTAUT2 and service quality. Doctoral thesis, Universiti Teknikal Malaysia Melaka.
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Abstract
Indonesia, home to the world's largest Muslim population, holds immense potential to lead the global Islamic banking and Islamic FinTech revolution. However, the current landscape presents a stark contrast, with the limited market share of Islamic banking falling short of expectations. Out of 330 licensed FinTech’s in Indonesia in 2023, only 28 adhere to Islamic economic principles, a discrepancy considering the substantial market potential for Islamic financing. This study addresses the gap of shaping factors assessment of Behavioral Intentions and moderating role of Religiosity in the use of Islamic FinTech in Indonesia. Utilizing UTAUT2 extended with Service Quality, the factors of Performance Expectancy (PE), Effort Expectancy (EE), Social Influence (SI), Hedonic Motivation (HM), Facilitation Condition (FC), Price Value (PV), Habit (HA) and Electronic Service Quality (ESQ) on Behavior Intention (BI) are examined. This research also investigates moderating role of Religiosity (RE) on PE, SI, FC and HA toward BI of Islamic FinTech in Indonesia. The goal of this study was to provide a conceptual model for Islamic FinTech in Indonesia to enhance their systems. A comprehensive online questionnaire, as the primary data collection, was administered to 509 valid responses users’ samples. Descriptive statistics were used for data analysis, while Structural Equational Modelling (SEM) via Partial Least Square Model (PLS) examined the relationships between variables. This study found that SI, FC, HA and ESQ have significant influences on Behavior Intention of Islamic FinTech in Indonesia with T-statistics above 1.96 and P-values less than 0.05. Furthermore, pivotal finding was the identification of Religiosity as moderating role of Performance Expectancy, Social Influence, Facilitating Condition and Habit toward Behavior Intention of Islamic FinTech in Indonesia. These results contribute significantly to the existing knowledge base, offering valuable insights to enhance the performance of Islamic FinTech in Indonesia. The proposed factor model not only provides a framework for influencing Behavioral Intention within the sector but also suggests improvements to operational efficiency and effectiveness. This study is poised to make substantial contributions to the managerial and policy frameworks of Islamic FinTech firms, fostering a more robust and responsive industry in Indonesia.
| Item Type: | Thesis (Doctoral) |
|---|---|
| Uncontrolled Keywords: | Islamic banking, Islamic FinTech, Service quality |
| Divisions: | Library > Tesis > FPTT |
| Depositing User: | Muhamad Hafeez Zainudin |
| Date Deposited: | 17 Mar 2025 12:21 |
| Last Modified: | 17 Mar 2025 12:21 |
| URI: | http://eprints.utem.edu.my/id/eprint/28590 |
| Statistic Details: | View Download Statistic |
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