FACTORS THAT INFLUENCE THE INTEREST IN THE UTILIZATION OF SHARIA FINANCIAL TECHNOLOGY ON MILLENNIALS AND GENERATION Z

Amir Hamzah, Nurfania Sukma

Abstract


The purpose of this research is to analyze the effect of perceived ease of use, perceived benefits, perceived risk, trust, and religiosity on behavioral intentions of Islamic financial technology in the millennial generation and Generation Z in Kuningan Regency. The type of research used is quantitative research, with descriptive and verification research methods. The primary data in this study were obtained by using a questionnaire distributed through Google Form. The population in this study is the millennial generation and Generation Z in Kuningan Regency with a research sample of 125 respondents. The sampling method used in this research is non-probability sampling with a purposive sampling technique. The data analysis technique used is Structural Equation SEM-PLS. Results of this study indicate that the variables of perceived ease of use, perceived benefits, perceived risk, trust, and religiosity have a significant positive effect on behavioral intentions of Islamic financial technology in the millennial generation and generations in Kuningan Regency.


Keywords


Sharia Financial Technology; Millennials; Generation Z; Trust.

Full Text:

PDF

References


A.N, A. R., & Sutarso, Y. (2021). Peran kepercayaan, manfaat dan religiusitas dalam meningkatkan niat menggunakan kembali dompet digital. Journal of Business and Banking, 10(2), 181. https://doi.org/10.14414/jbb.v10i2.2172

Afiyanti Tripuspitorini, F. (2019). Pengaruh Religiusitas Terhadap Minat Mahasiswa Politeknik Negeri Bandung untuk Menabung di Bank Syariah. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 4(2), 54–69.

Agustiningsih, M. D., & Savitrah, R. M. (2021). Indonesian young consumers ’ intention to donate using sharia fintech. 3(1), 34–44. https://doi.org/10.1108/AJIM.vol3.iss1.art4

Amalia, S. N. A. (2018). Faktor-Faktor Yang Mempengaruhi Minat Individu Terhadap Financial Technology Syariah Paytren Sebagai Salah Satu Alat Transaksi Pembayaran: PendekatanTechnology Acceptance Model dan Theory Of Planned Behavior. Jurnal Ekonomi & Keuangan Islam, 9(1), 65–79.

Catriana, E. (2020). Studi: 68 Persen Pengguna Dompet Digital adalah Milenial. Kompas.Com. https://money.kompas.com/read/2020/02/12/131300826/studi--68-persen-pengguna-dompet-digital-adalah-milenial

Chuang, L.-M., Liu, C.-C., & Kao, H.-K. (2016). The Adoption of Fintech Service: TAM perspective. International Journal of Management and Administrative Sciences (IJMAS, 3(07), 1–15. www.ijmas.orgwww.ijmas.org

Diana, N., & Leon, F. M. (2020). Factors Affecting Continuance Intention of FinTech Payment among Millennials in Jakarta. European Journal of Business and Management Research, 5(4). https://doi.org/10.24018/ejbmr.2020.5.4.444

Direktori Putusan Mahkamah Agung Republik Indonesia. (2018). Peraturan & Perundang-Undangan. https://putusan3.mahkamahagung.go.id/peraturan/detail/11eb40220b53a5349f7b313134303532.html

Fatwa Dewan Syariah Nasional MUI Nomor 117/DSN-MUI/II/2018 Tentang Layanan Pembiayaan Berbasis Teknologi Informasi Berdasarkan Prinsip Syariah.

Ferinaldy, F., Muslikh, M., & Huda, N. (2019). Pengaruh Sikap, Norma Subjektif, Kendali Perilaku Dan Religiusitas Terhadap Intensi Menggunakan Uang Elektronik. Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan Dan Akuntansi, 11(2), 211–222. https://doi.org/10.35313/ekspansi.v11i2.1531

Hamid, R. S., & Anwar, S. M. (2017). STRUCTURAL EQUATION MODELING (SEM) BERBASIS VARIAN: Konsep Dasar dan Aplikasi dengan Program SmartPLS 3.2.8. dalam Riset Bisnis (Abrianto, S. Nurdiyanti, & A. D. Raksanagara (eds.)). PT Inkubator Penulis Indonesia.

Hamzah, A., & Sukma, N. (2021). Determinasi Financial Technology Dengan Pendekatan Unified Theory of Acceptance and Use of Technology II. 11(1), 1–14.

Handayani, R., Darwini, S., & Agustiani, E. (2018). Bank Syariah Melalui Kepercayaan Merek. Jurnal Distribusi, 6(2), 47–59.

Jayani, D. H. (2021). Usia Produktif Kian Mendominasi Penduduk Indonesia. DataBoks.Co.Id. https://databoks.katadata.co.id/datapublish/2021/01/22/usia-produktif-kian-mendominasi-penduduk-indonesia

Jayantari, I. A. A. U., & Seminari, N. K. (2018). Peran Kepercayaan Memediasi Persepsi Risiko Terhadap Niat Menggunakan Mandiri Mobile Banking Di Kota Denpasar. E-Jurnal Manajemen Universitas Udayana, 7(5), 2621. https://doi.org/10.24843/ejmunud.2018.v07.i05.p13

Maharsi, S., & Mulyadi, Y. (2015). Faktor-Faktor Yang Mempengaruhi Minat Nasabah Menggunakan Internet Banking Dengan Menggunakan Kerangka Technology Acceptance Model Pada Bank Syariah. Jurnal Ekonomi STIE Haji Agus Salim Bukittinggi, 18(2), 155–167.

Marzuki, M., & Nurdin, N. (2020). The influence of halal product expectation, social environment, and fiqih knowledge on intention to use shariah financial technology products. International Journal of Innovation, Creativity and Change, 13(1), 171–193.

Meyliana, M., Fernando, E., & Surjandy, S. (2019). The Influence of Perceived Risk and Trust in Adoption of FinTech Services in Indonesia. CommIT (Communication and Information Technology) Journal, 13(1), 31. https://doi.org/10.21512/commit.v13i1.5708

Maharsi, S., & Mulyadi, Y. (2015). Faktor-Faktor Yang Mempengaruhi Minat Nasabah Menggunakan Internet Banking Dengan Menggunakan Kerangka Technology Acceptance Model Pada Bank Syariah. Jurnal Ekonomi STIE Haji Agus Salim Bukittinggi, 18(2), 155–167.

Mubarok, M. Z., Kusyanti, A., & Aryadita, H. (2018). Analisis Faktor-Faktor Yang Memengaruhi Kepercayaan Dan Resiko Pengguna Dalam Bertransaksi Pada E-Commerce XYZ Menggunakan UTAUT ( Unified Theory Of Acceptance And Use Of Technology ). Jurnal Pengembangan Teknologi Informasi Dan Ilmu Komputer (J-PTIIK) Universitas Brawijaya, 2(7), 3050–3057.

Nurfadilah, D., & Samidi, S. (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, 7(1), 83–114. https://doi.org/10.21098/jimf.v7i0.1318

OJK. (2021). Statistik Fintech Lending Periode Mei 2021. https://www.ojk.go.id/id/kanal/iknb/data-dan-statistik/fintech/default.aspx

Pambudi, R. D. (2019). Perkembangan fintech di kalangan mahasiswa UIN Walisongo. Harmony, 4(2), 74–81. https://journal.unnes.ac.id/sju/index.php/harmony/article/view/36456/15100

Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016 Tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi, selain itu fintech syariah

Priyono, A. (2017). Analisis pengaruh trust dan risk dalam penerimaan teknologi dompet elektronik Go-Pay. Jurnal Siasat Bisnis, 21(1), 88–106. https://doi.org/10.20885/jsb.vol21.iss1.art6

Puspaningtyas, L. (2019). OJK Tegaskan Inklusi Keuangan Syariah tidak Berkurang. https://www.republika.co.id/berita/q2a9gr370/ojk-tegaskan-inklusi-keuangan-syariah-tidak-berkurang

Putritama, A. (2019). The Mobile Payment Fintech Continuance Usage Intention in Indonesia. Jurnal Economia, 15(2), 243–258. https://doi.org/10.21831/economia.v15i2.26403

Riza, A. F. (2019). Customer acceptance of digital banking in Islamic bank: Study on millennial generation. Conference on Islamic Management Accounting and Economics, 2, 66–74. https://journal.uii.ac.id/CIMAE/article/view/13351

Ryu, H. (2018). Understanding Benefit and Risk Framework of Fintech Adoption: Comparison of Early Adopters and Late Adopters. Proceedings of the 51st Hawaii International Conference on System Sciences, 3864–3873. https://doi.org/10.24251/hicss.2018.486

Setiaji, S. A. (2019). Penggunaan Mobile Payment di Indonesia Tumbuh. Bisnis.Com. https://ekonomi.bisnis.com/read/20190613/9/933358/penggunaan-mobile-payment-di-indonesia-tumbuh

Sienatra, K. B. (2020). Dampak persepsi manfaat dan persepsi risiko terhadap fintech continuance intention pada generasi milenial di surabaya. Jurnal Nusantara Aplikasi Manajemen Bisnis, 5(1), 1–12. https://doi.org/https://doi.org/10.29407/nusamba.v5i1.14225

Sijabat, Y. P., Hutajulu, D. M., & Sihombing, P. (2019). Determinasi Technology Acceptance Model Terhadap Niat Penggunaan Fintech Sebagai Alat Pembayaran ( Payment ). Seminar Nasional Dan Call For Paper, Magelang, 15 Oktober 2019.

Omwansa, T., Waema, T., & Lule, I. (2015). The Influence of Trust and Risk in Behavioural Intention to Adopt Mobile Financial Services among the Poor. Int. Arab. J. e Technol., 4(1), 8–16.

Pratama, A. M. (2020). Pengguna Internet Indonesia hingga Kuartal II 2020 Capai 196,7 Juta Orang. Kompas.Com. https://money.kompas.com/read/2020/11/09/213534626/pengguna-internet-indonesia-hingga-kuartal-ii-2020-capai-1967-juta-orang

Yogananda, A. S., & Dirgantara, I. M. B. (2017). Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan, Kepercayaan dan Persepsi Risiko Terhadap Minat Untuk Menggunakan Instrumen Uang Elektronik. Diponegoro Journal of Management, 6(4), 1–7.

Yuspita, R., Pebruary, S., & Kamala, A. Z. H. (2019). The society’s perceptions on the use of fintech services in sharia financial institutions. Jurnal Ekonomi & Keuangan Islam, 5(2), 87–92. https://doi.org/10.20885/jeki.vol5.iss2.art6

Zuhdi, Z., Suharjo, B., & Sumarno, H. (2016). Perbandingan Pendugaan Parameter Koefisien Struktural Model Melalui Sem Dan Pls-Sem. Journal of Mathematics and Its Applications, 15(2), 11. https://doi.org/10.29244/jmap.15.2.11-22




DOI: http://dx.doi.org/10.30984/tjebi.v6i2.1614

Article Metrics

Abstract view : 786 times
PDF - 570 times

Refbacks

  • There are currently no refbacks.


Tasharruf: Journal Economics and Business of Islam is indexed by:

JURISMA : Jurnal Riset Bisnis & Manajemen
       



       

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.

________________________________________________________
Tasharruf: Journal Economics and Bussiness of Islam is published by Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Negeri (IAIN) Manado

Jl. Dr. S. H. Sarundajang Kawasan Ring Road I Malendeng Manado, Sulawesi Utara, Indonesia 95128
Email: tasharruf@iain-manado.ac.id

ISSN Print: 2528-0317 ISSN Online: 2528-0325