Understanding The Drivers of Interest in Fintech Adoption: Examining The Moderating Influence of Religiosity

Baharuddin, Jukri, Supriyanto, Achmad Sani ORCID: https://orcid.org/0000-0003-1519-3258, Siswanto, Siswanto ORCID: https://orcid.org/0000-0003-0190-627X and Ekowati, Vivin Maharani ORCID: https://orcid.org/0000-0001-6013-0630 (2023) Understanding The Drivers of Interest in Fintech Adoption: Examining The Moderating Influence of Religiosity. Jurnal Aplikasi Manajemen dan Bisnis,, 9 (3). pp. 695-705. ISSN ISSN: 2528-5149/EISSN: 2460-7819

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Abstract

Fintech is an innovation in financial services with the application of modern
technology to introduce practicality, convenience, ease of access, and affordable costs.
The purpose of this study was to examine the impact of attitudes, subjective norms, and
behavioral control in the theory of planned behavior on interest in utilizing fintech, using
religiosity as a moderation variable. This research is a quantitative study with explanatory
research method to prove the research hypotheses. Data were gathered through the
distribution of questionnaires to 570 respondents who had or were utilizing fintech,
and analyzed using partial least squares (PLS). The findings revealed that attitudes,
subjective standards, and behavioral control had a substantial impact on interest in
utilizing fintech, while religiosity does not moderate the relationship between variables.
As a result, fintech service providers are advised to increase positive assessments of the
use of fintech services, to make use of social media, and to collaborate with influencers
to hype up Indonesians' interest in using fintech. The research findings could be useful
for increasing interest in utilizing fintech by engaging in tangible consumer financial and
technology education that supports wider adoption of fintech.

Item Type:	Journal Article
Keywords:	planned behavior, subjective norm, behavioral control, fintech
Subjects:	15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1503 Business and Management > 150305 Human Resources Management 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1503 Business and Management > 150310 Organisation and Management Theory 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1503 Business and Management 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1505 Marketing
Divisions:	Faculty of Economics > Department of Management
Depositing User:	Vivin Maharani Ekowati
Date Deposited:	19 Nov 2023 23:22

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