HOW THE COVID-19 CRISIS IS AFFECTING CUSTOMERS’ INTENTION TO USE ISLAMIC FINTECH SERVICES: EVIDENCE FROM INDONESIA

Dety Nurfadilah () and Sudarmawan Samidi ()
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Dety Nurfadilah: Sekolah Tinggi Manajemen IPMI, Indonesia
Sudarmawan Samidi: Sekolah Tinggi Manajemen IPMI, Indonesia

Journal of Islamic Monetary Economics and Finance, 2021, vol. 7, issue Special Issue, 83-114

Abstract: The objective of this study is to investigate the factors that are affecting customers’ intention to use Islamic FinTech services during the Covid-19 crisis. It expands the technology acceptance model (TAM) by adding government support as a new variable for the context of Islamic FinTech services during the pandemic. Using TAM as a framework, we propose a model outlining the impact of government regulation, perceived usefulness, perceived ease of use, perceived trust, and user innovativeness on consumer attitude behaviour and the intention to use Islamic FinTech services, such as payment and peer-to-peer lending. 220 sets of data were collected from an online survey and analysed using partial least squares-structural equation modelling (PLS-SEM). The results show that government support for Islamic FinTech during the Covid-19 pandemic has had an indirect impact on attitude behaviour in using Islamic services through perceived ease of use and perceived usefulness. Attitude behaviour was found to have an impact on intention.

Keywords: Islamic fintech; Government support; User innovativeness; Customer behavior (search for similar items in EconPapers)
JEL-codes: D12 G23 O14 O33 (search for similar items in EconPapers)
Date: 2021
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Citations: View citations in EconPapers (2)

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Persistent link: https://EconPapers.repec.org/RePEc:idn:jimfjn:v:7:y:2021:i:sic:p:83-114

DOI: 10.21098/jimf.v7i0.1318

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