SHARIA FINTECH ADOPTION MODEL: THE ROLE OF HALAL AWARENESS AND SHARIA FINANCIAL LITERCY IN THE PERSPECTIVE OF EXPECTATION AND ACCEPTANCE MODELS

Abstract

This study aims to analyze the factors that affect public interest in adopting sharia FinTech in Indonesia by emphasizing the role  of halal awareness and sharia financial literacy, as well as examining the role of mediation perceived usefulness and perceived ease of use. This research is motivated by the great potential of the sharia FinTech industry in Indonesia which has not been balanced with an optimal level of public adoption. This research is an explanatory research conducted using survey methods and quantitative approaches. The sample in the study is 350 of Islamic banking customers throughout Indonesia. Then, the research data was analyzed using a multivariate technique with structural equation modeling (SEM-PLS) through an analysis of the technology acceptance model to test the relationship between variables. The expected results show that Islamic financial literacy and halal awareness can increase the perception of benefits and ease of use of Islamic FinTech services, which ultimately encourages public interest in adoption. The findings of this study are expected to make a theoretical contribution to the development of technology adoption models in the context of Islamic finance and provide practical implications for the development of education strategies and innovation for Islamic FinTech services in Indonesia.