Apakah UTAUT Berfungsi dalam Meningkatkan Adopsi Fintech Islam?
DOI:
https://doi.org/10.35591/wahana.v29i2.1010Keywords:
Islamic fintech, performance expectancy, effort expectancy, social influence, facilitation conditionAbstract
The Fintech industry in Indonesia continues to experience growth in product innovation. One such product is Islamic Fintech (Sharia Fintech). The main difference in Sharia Fintech is that transactions must be riba-free, where borrowers are not charged interest but are instead subject to contracts called mutanaqishah, murabahah, and ijarah. The purpose of this study is to obtain empirical evidence of the influence of performance expectancy, effort expectancy, social influence, and facilitation condition on the Adoption of Sharia Fintech. This type of research is survey research, while the method is analytical descriptive with data collected through questionnaires distributed to 100 respondents using sharia fintech via Google forms distributed via social media platforms.. Data analysis was conducted using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) using SmartPLS 4.0 software. This study obtained empirical evidence that there is an influence of performance expectations, business expectations, social influence, and facilitating conditions on the adoption of Sharia Fintech. The practical implication of this study is to support the use of the Unified Theory of Acceptance and Use of Technology (UTAUT) in analyzing the intention to use Sharia Fintech.
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