Literasi Keuangan Islam, Kesiapan Teknologi, dan Komitmen Religius
Penentu Adopsi Fintech pada Kalangan Dewasa Muda di Indonesia
DOI:
https://doi.org/10.29407/jse.v9i2.1551Keywords:
Financial Literacy, Technology, Commitment.Abstract
Indonesia is a country with the largest Muslim population and high internet penetration, but the number of young adults using Islamic fintech remains low at 23%. To predict the adoption of Islamic fintech by young Indonesian adults, this study developed and tested the Islamic Technology Acceptance Model (I-TAM). Data were collected from 400 Muslim respondents aged 18 to 35 years old through a structured questionnaire. A cross-sectional survey design was used using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method. The results showed that technological readiness was the strongest predictor of Islamic fintech adoption (β=0.522, p<0.001), followed by Islamic financial literacy (β=0.330, p<0.001), and religious commitment (β=0.103, p<0.001). A key finding is that the dual moderating role of religious commitment weakens the effect of Islamic financial literacy (β=-0.147, p=0.008) but strengthens the effect of technological readiness (β=0.190, p<0.001). More than the conventional TAM model, the I-TAM model explains 58.4% of Islamic fintech adoption. This study suggests that for young Indonesian Muslims, religiosity and technological modernity can coexist well, with technology serving as a means of practicing religious values in the technological era.
Downloads
References
Adam, M., & Marliyah, M. (2023). Peran Generasi Milenial Terhadap Pemahaman dan Perkembangan Fintech syariah. JEKKP (Jurnal Ekonomi, Keuangan Dan Kebijakan Publik), 4(2), 37–43. https://doi.org/10.30743/jekkp.v4i2.6425
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T
Blut, M., & Wang, C. (2020). Technology readiness: a meta-analysis of conceptualizations of the construct and its impact on technology usage. Journal of the Academy of Marketing Science, 48(4), 649–669. https://doi.org/10.1007/s11747-019-00680-8
Bukhari, S. F. H., Woodside, F. M., Hassan, R., Shaikh, A. L., Hussain, S., & Mazhar, W. (2019). Is religiosity an important consideration in Muslim consumer behavior. Journal of Islamic Marketing, 10(4), https://doi.org/10.1108/JIMA-01-2018-0006
Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User Acceptance of Computer Technology: A Comparison of Two Theoretical Models. Management Science, 35(8), 982–1003. https://doi.org/10.1287/mnsc.35.8.982
Fauzi, M., & Dwi Agustin. (2023). Saving in Islamic Banks: Encouragement of Islamic Financial Literacy. Journal of Management and Islamic Finance, 3(2), 162–171. https://doi.org/10.22515/jmif.v3i2.7334
Gunawan, A., Asmuni, A., & 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. https://doi.org/10.18196/jai.v22i3.10043
Hair, J. F., Risher, J. J., Sarstedt, M., & Ringle, C. M. (2019). When to use and how to report the results of PLS-SEM. European Business Review, 31(1), 2–24. https://doi.org/10.1108/EBR-11-2018-0203
Johan, Z. J., Hussain, M. Z., Mohd, R., & Kamaruddin, B. H. (2020). Muslims and non-Muslims intention to hold Shariah-compliant credit cards: a SmartPLS approach. Journal of Islamic Marketing, 12(9), https://doi.org/10.1108/JIMA-12-2019-0270
Krämer, W. Kahneman, D. (2011): Thinking, Fast and Slow. Stat Papers 55, 915 (2014). https://doi.org/10.1007/s00362-013-0533-y.
Kumi, E. (2024). Technological Readiness, Innovative Work Behaviour, and Boundary Integration in Ghana’s Public Sector. AFRICAN JOURNAL OF APPLIED RESEARCH, 10(2), 65–90. https://doi.org/10.26437/ajar.v10i2.795
Kunda, Z. (1990). The case for motivated reasoning. In Psychological Bulletin (Vol. 108, Issue 3, pp. 480–498). American Psychological Association. https://doi.org/10.1037/0033-2909.108.3.480
Majid, R. (2021). The Role of Religiosity in Explaining the Intention to use Islamic FinTech Among MSME Actors. International Journal of Islamic Economics and Finance (IJIEF), 4(2), 207–232. https://doi.org/10.18196/ijief.v4i2.11833
Muhammad Hanif Ibrahim, Fauziyah Fitri, & Rasikh Saifan Ahmad. (2024). The Role of Technology Readiness in Islamic Financial Technology Acceptance Among MSMEs: An Empirical Integration Analysis TPB and TAM Framework. AL-MUZARA’AH, 12(1), 177–194. https://doi.org/10.29244/jam.12.1.177-194
Nilmawati, N., Gusaptono, H., Kristanto, H., & Agussalim, A. (2025). Financial Literacy, Bank Reputation, and Religiosity in Islamic Banking Adoption. SHS Web of Conferences, 212, 01002. https://doi.org/10.1051/shsconf/202521201002
OJK, 2024. (2024). Laporan Perkembangan Keuangan Syariah Indonesia (LPKSI).
Parasuraman, A. (2000). Technology Readiness Index (Tri). Journal of Service Research, 2(4), 307–320. https://doi.org/10.1177/109467050024001
Purwantini, A. H., Noor Athief, F. H., & Waharini, F. M. (2020). Indonesian Consumers’ Intention of Adopting Islamic Financial Technology Services. Shirkah: Journal of Economics and Business, 5(2), 171. https://doi.org/10.22515/shirkah.v5i2.304
Sevriana, L., Febrian, E., Anwar, M., & Ahmad Faisal, Y. (2024). A Proposition To Implement Inclusive Islamic Financial Planning in Indonesia Through Bibliometric Analysis. Journal of Islamic Accounting and Business Research, 15(2), 225–243. https://doi.org/10.1108/JIABR-01-2022-0022
Stern, P. C. (2000). Toward a Coherent Theory of Environmentally Significant Behavior. 56(3), 407–424. https://doi.org/10.1111/0022-4537.00175
Turner, J. (1975). Chapter 3 An Integrative Theory of Intergroup Conflict.
Wirani, Y., & Ibrahim, M. Y. (2022). The Effect of Personal Innovativeness and Trust in Online Lending Platforms to Adoption of Indonesian Sharia FinTech Lending. 2022 1st International Conference on Information System & Information Technology (ICISIT), 19–24. https://doi.org/10.1109/ICISIT54091.2022.9873096
Yuslem, N., Nurhayati, N., & Hasibuan, A. F. H. (2023). Analysis of the problems of Islamic financial literacy for Muslim scholars. Jurnal Ekonomi & Keuangan Islam, 45–61. https://doi.org/10.20885/JEKI.vol9.iss1.art4
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Tiara Dwitiya Said, Goso Goso, Yusuf Kamaruddin
This work is licensed under a Creative Commons Attribution 4.0 International License.
Jurnal Simki Economic : https://jurnal.unpkediri.ac.id/index.php/JSE/index is licensed under a Creative Commons Attribution 4.0 International License.
How to Cite
