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How The Covid-19 Crisis Is Affecting Customers’ Intention To Use Islamic Fintech Services: Evidence From Indonesia

Author

Listed:
  • Dety Nurfadilah

    (Sekolah Tinggi Manajemen IPMI, Indonesia)

  • Sudarmawan Samidi

    (Sekolah Tinggi Manajemen IPMI, Indonesia)

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.

Suggested Citation

  • Dety Nurfadilah & Sudarmawan Samidi, 2021. "How The Covid-19 Crisis Is Affecting Customers’ Intention To Use Islamic Fintech Services: Evidence From Indonesia," Journal of Islamic Monetary Economics and Finance, Bank Indonesia, vol. 7(Special I), pages 83-114, March.
    • Handle: RePEc:idn:jimfjn:v:7:y:2021:i:sic:p:83-114
    DOI: https://doi.org/10.21098/jimf.v7i0.1318
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    Cited by:

    1. Fajri, Mohammad Zen Nasrudin & bin Lahuri, Setiawan & Umam, Khoirul, 2022. "Mapping Islamic Fintech Research: A Bibliometric Analysis," OSF Preprints 2unsb, Center for Open Science.

    More about this item

    Keywords

    Islamic fintech; Government support; User innovativeness; Customer behavior;
    All these keywords.

    JEL classification:

    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors
    • O14 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Industrialization; Manufacturing and Service Industries; Choice of Technology
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes

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