Faktor Penentu Minat Menggunakan Financial Technology Syariah Pasca Covid-19

Arifa Kurniawan, Nur Wahyu Ningsih, Raizky Rienaldy Pramasha, Nanda Audia

Abstract

The Covid-19 pandemic has shaped people's behavior patterns to utilize technology to facilitate activities. Technological innovations used in the financial sector with Islamic concepts are called sharia financial technology. This study aims to prove the theoretical concepts of planned behavior (attitudes, subjective norms, and perceptions of behavior control), the use of technology, Islamic financial literacy and digital literacy influence students' interest in using Islamic financial technology. This study uses a quantitative method with an explanatory research approach. The population in this study were FEBI UIN RIL students. The sampling method used accidental sampling with a total sample of 221 respondents. Data collection techniques using a questionnaire. The data analysis technique used the structural equation model-Partial Least Square (SEM-PLS) with the Warpls 7.0 tool. The results of the study prove that the variables attitude (X1), perceived behavioural control (X3), digital literacy (X5), and use of technology (X6) influence students' intentions to use Islamic financial technology. Meanwhile, the subjective norm variables (X2) and Islamic financial literacy (X4) have no effect on students' intentions to use Islamic financial technology.

Keywords

Theory of Planned Behavior, Use of Technology, Islamic Financial Literacy, Digital Literacy, Islamic Fintech

Full Text:

PDF (Bahasa Indonesia)

References

Ahdiat, A. (2023). Durasi Responden Menggunakan Internet Berdasarkan Kelompok Usia (2022). databoks. https://databoks.katadata.co.id/datapublish/2023/02/01/berapa-lama-warga-ri-gunakan-internet-per-hari-ini-surveinya

Aji, B. P. (2021). Pengaruh Literasi Keuangan, Motivasi, Manfaat Investasi Dan Pengetahuan Investasi Terhadap Minat Mahasiswa Dalam Berinvestasi Di Pasar Modal. In Akuntansi: Vol. Skripsi. Universitas Islam Indonesia.

Ajzen, I. (1991). The Theory of Planned Behavior. Organizational Behavior And Human Decision Processes, 50(02), 179–211.

Ajzen, I. (2002). Perceived Behavioral Control, Self-Efficacy, Locus of Control, and the Theory of Planned Behavior. Journal OfApplied Social Psycholog, 32(4), 665–683.

Ali, N., Nakayama, S., & Yamaguchi, H. (2023). Using The Extensions Of The Theory Of Planned Behavior (TPB) For Behavioral Intentions To Use Public Transport (PT) In Kanazawa, Japan. Transportation Research Interdisciplinary Perspectives, 17.

Alshater, M. M., Saba, I., Supriani, I., & Rabbani, M. R. (2022). Fintech In Islamic Finance Literature: A Review. Heliyon, Special Issue, 1–24.

Antara, P. M., Musa, R., & Hassan, F. (2017). Conceptualisation and Operationalisation of Islamic Financial Literacy Scale. Social Sciences & Humanities, 25(S), 251–260.

Anthonysamy, L., Koo, A. C., & Hew, S. H. (2020). Self-Regulated Learning Strategies In Higher Education: Fostering Digital Literacy For Sustainable Lifelong Learning. Education and Information Technologies, 25(5), 2393–2414.

Chang, A. (2012). Utaut And Utaut 2: A Review And Agenda For Future Research. Journal The WINNERS, 13(2), 106–114.

Chuen, D. L. K., & Teo, E. G. S. (2015). Emergence of FinTech and the LASIC principles. The Journal of Financial Perspectives: FinTech, 3(3), 1–26.

Dafiq, B. I., Hidayati, A. N., & Habib, M. A. F. (2022). Pengaruh Literasi Keuangan, Literasi Digital, Digital Marketing, Brand Image Dan Word Of Mouth Terhadap Minat Generasi Z Pada Bank Syariah. Fair Value : Jurnal Ilmiah Akuntansi Dan Keuangan, 4(1), 4971–4982.

Darmansyah, Fianto, B. A., Hendratmi, A., & Aziz, P. F. (2020). Factors Determining Behavioral Intentions To Use IslamicFinancial Technology : Three Competing Models. Journal of Islamic Marketing, 12(4), 794–812.

Dinar Standart. (2022). Global Islamic Fintech Report 2022.

FSB, F. S. B. (2019). Fintech And Market Structure In Financial Services: Market Developments And Potential Financial Stability Implications. Financial Stability Board.

Gunawan, A., Asmuni, & Siregar, S. (2021). Islamic Financial Literacy and Financial Behavior: The case of Muhammadiyah Community in Medan City. Journal of Accounting and Investment, 22(3), 500–516.

Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2013). Multivariate Data Analysis. Pearson.

Hasyim, F., & Nurohman, Y. A. (2021). Adopsi Teori Perilaku Berencana Dalam Menganalisis Niat Melakukan Wakaf Tunai. Jurnal Among Makarti, 14(1), 78–92.

Irhamsyah, A. (2019). Analisis Faktor-Faktor Preferensi Yang Mempengaruhi Keputusan Metode Pembayaran Zakat Bagi Muzakki Di Era Digital (Studi Pada: Dosen Dan Tenaga Kependidikan Fakultas Ekonomi Dan Bisnis Universitas Brawijaya). In Ilmu Ekonomi Fakultas Ekonomi Dan Bisnis: Vol. Skripsi. Univeristas Brawijaya.

Irimia‑Diéguez, A., Velicia‑Martín, F., & Aguayo‑Camacho, M. (2023). Predicting Fintech Innovation Adoption: the Mediator Role of Social Norms and Attitudes. Financial Innovation, 9(36), 1–23.

Jaya, I. M. L. M. (2019). The Impact of Financial Inclusion on Public Financial Services Education through Financial Technology in Sleman Regency, Indonesia. Esensi: Jurnal Bisnis Dan Manajemen, 9(2), 155–174.

Jayani, D. H. (2019). Indonesia Penyedia Pendidikan Keuangan Syariah Terbesar Dunia. databoks. https://databoks.katadata.co.id/datapublish/2019/11/14/indonesia-penyedia-pendidikan-keuangan-syariah-terbanyak-di-dunia

Kemenko Perekonomian. (2021). Memasuki Era Society 5.0, Menko Airlangga Sampaikan Untuk Membangun Talenta Digital dan Meningkatkan Literasi Digital. Kementerian Koordinator Bidang Perekonomian Republik Indonesia. https://www.ekon.go.id/publikasi/detail/3397/memasuki-era-society-50-menko-airlangga-sampaikan-untuk-membangun-talenta-digital-dan-meningkatkan-literasi-digital

Kharisma, A. S., Lestari, P., & Putri, N. K. (2021). Intensi Penggunaan Fintech Pada Perbankan Syariah Oleh UMKM. Jurnal Syntax Admiration, 2(2), 173–182.

Kharisma, A. S., & Putri, N. K. (2020). Teori Of Planned Behavior Terhadap Intensi Untuk Memberi Infaq Dan Shadaqah Melalui Aplikasi Financial Technology (Go-Pay). Jurnal Ekonomi, Bisnis Dan Akuntansi (JEBA), 22(4), 421–428.

Khuong, N. V., Phuong, N. T. T., Liem, N. T., Thuy, C. T. M., & Son, T. H. (2022). Factors Affecting The Intention To Use Financial Technology Among Vietnamese Youth: Research In The Time Of Covid-19 And Beyond. Economies, 10(57), 1–17.

Kusnandar, D. L., Sari, D. P., & Sahroni, N. (2022). Pengaruh Literasi Digital dan Persepsi Return dan Risiko dalam Meningkatkan Minat Investasi Generasi Z di Pasar Modal pada Era New Normal. Valid Jurnal Ilmiah, 20(1), 97–104.

Kusnandar, V. B. (2022). Indonesia Masuk Daftar 10 Negara Pengguna Internet Terbesar di Asia. databoks. https://databoks.katadata.co.id/datapublish/2022/12/22/indonesia-masuk-daftar-10-negara-pengguna-internet-terbesar-di-asia

Leniwati, D., Brilyan, P. R., & Wahyuni, E. D. (2021). Determinants Theory Of Planned Behavior On Student’s Interest In Using Financial Technology. Jurnal Reviu Akuntansi Dan Keuangan, 11(03), 467–482.

Liu, Z.-J. (2020). Digital Literacy and Digital Didactics as the Basis for New Learning Models Development. International Journal Of Emerging Technologies in Learning, 15(14), 1–17.

Lusardi, A., & Mitchell, O. S. (2014). The Economic Importance of Financial Literacy: Theory and Evidence. Journal of Economic Literature, 52(1), 1–40.

Maziyah, N. (2021). Pengaruh Kemudahan Penggunaan Dan Kemanfaatan Teknologi Informasi Terhadap Minat Beli Pada E-Commerce. In Administrasi Bisnis: Vol. Skripsi. Universitas Islam Malang.

Ng, W. (2012). Can We Teach Digital Natives Digital Literacy? Computers & Education, 59(03), 1065–1078.

Novitasari, S. (2019). Analisis Faktor-Faktor Yang Mempengaruhi Minat Masyarakat Muslim Pedesaan Dalam Menggunakan Lembaga Keuangan Syariah . In Perbankan Syariah: Vol. Skripsi. Institut Agama Islama Negeri (IAIN) Salatiga.

Paramita, R. A. S., Isbanah, Y., Kusumaningrum, T. M., Musdholifah, M., & Hartono, U. (2018). Young Investor Behavior:Implementation Theory Of Planned Behavior. International Journal of Civil Engineering and Technology (IJCIET), 9(7), 733–746.

Pardiansyah, E., Najmudin, & Fatoni, A. (2023). Analisis Faktor Yang Memengaruhi Intensi Menggunakan Fintech Syariah: Studi Empiris Generasi Milenial Tangerang Raya. AL-IQTISHOD: Jurnal Pemikiran Dan Penelitian Ekonomi Islam, 11(1), 21–44.

Perera, M. U., Gardner, L., & Peiris, A. (2016). Investigating The Interrelationship Between Undergraduates’ Digital Literacy And Self-Regulated Learning Skills. In Thirty Seventh International Conference on Information Systems. AIS Electronic Libarary.

Polizzi, G. (2020). Digital Literacy And The National Curriculum For England: Learning From How The Experts Engage With And Evaluate Online Content. Computers & Education, 152, 1–13.

Raza, S. A., Shah, N., & Ali, M. (2019). Acceptance Of Mobile Banking In Islamic Banks: Evidence From Modified UTAUT Model. Journal of Islamic Marketing, 10(2), 357–376.

Remund, D. L. (2010). Financial Literacy Explicated: The Case for a Clearer Definition in an Increasingly Complex Economy. The Journal Of Consumer Affairs, 44(2), 276–295.

Rodiyah, F. (2019). Korelasi Pengetahuan Investasi, Literasi Keuangan, Pelatihan Pasar Modal dan Minat Mahasiswa Berinvestasi di Galeri Investasi Syariah. Jurnal Ekonomi, Keuangan Dan Perbankan Syariah, 3(1), 17–37.

Rozikin, A. Z., & Sholekhah, I. (2020). Islamic Financial Literacy, Promotion, and Brand Image Towards Saving Intention in Sharia Bank. IQTISHADIA, 13(1), 95–106.

Setiawan, D., Darwanto, & Gunanto, E. Y. A. (2021). Determinants of Behavioral Intentions to Use Sharia Financial Technology. Signifikan: Jurnal Ilmu Ekonomi, 10(2), 325–342.

Setiawan, M., Santoso, T., Dewi, V. I., & Sapulette, M. S. (2020). Digital Financial Literacy, Current Behavior Of Saving And Spending And Its Future Foresight. Economics of Innovation and New Technology, 31(5), 320–338.

Shahzad, A., Zahrullail, N., Akbar, A., Mohelska, H., & Hussain, A. (2022). COVID-19’s Impact on Fintech Adoption: Behavioral Intention to Use the Financial Portal. Journal of Risk and Financial Management, 15(248), 1–18.

Sholihin, M., & Ratmono, D. (2021). Analisis SEM-PLS dengan WarpPls 7.0 Untuk Hubungan Nonlinier Dalam Penelitian Sosial dan Bisnis. Penerbit ANDI.

Syarfi, S. M., & Asandimitra, N. (2020). Implementasi Theory Of Planned Behavior Dan Risk Tolerance Terhadap Intensi Investasi Peer To Peer Lending. Jurnal Ilmu Manajemen, 8(3), 864–877.

Tejedor, S., Cervi, L., Pérez-Escoda, A., & Jumbo, F. T. (2020). Digital Literacy And Higher Education During Covid-19 Lockdown: Spain, Italy, And Ecuador. Publications, 8(48), 1–17.

Thakor, A. V. (2019). Fintech And Banking: What Do We Know? Journal of Financial Intermediation, 41.

Venkatesh, V., & Bala, H. (2008). Technology Acceptance Model 3 and a Research Agenda on Interventions. Journal Compilation-Decision Sciences, 39(2), 273–315.

Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User Acceptance Of Information Technology: Toward A Unified View. MIS Quarterly, 27(3), 425–478.

Venkatesh, V., Thong, J. Y. L., & Xu, X. (2012). Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology. MIS Quarterly, 36(1), 157–178.

DOI: http://dx.doi.org/10.21043/bisnis.v11i1.19840