Examining Factors Influencing Adoption of Islamic Fintech: An Empirical Study of Users in Indonesia

This article was created with the aim of providing empirical evidence about the repeated use of financial technology (FinTech).Adoption of financial technology at this time is a behavior that we cannot avoid but with the development of financial technology not many service users use it.Most of Indonesia's population is Muslim, so the potential for Islamic, services have great opportunities, therefore this research focuses on determining the use of financial technology services.Using the behavioral theory approach and the theory of the use of technology as a basis for solving research problems.This study analyzed factors influencing repeated use of Islamic fintech among 195 users in Indonesia.Quantitative causal research was conducted using questionnaire data.Data was analyzed with PLS-SEM.Results showed service innovation positively affected perceived ease of use and usefulness.Perceived benefits and risks significantly influenced trust.Perceived ease of use and usefulness positively impacted attitude.Trust and attitude significantly affected satisfaction.However, religiosity had no effect on attitude or intention to reuse Islamic fintech.The findings provide insights on drivers of Islamic FinTech adoption useful for providers, regulators and researchers.There has been no previous research linking the TPB and TAM theories to financial technology used to solve problems in Islamic organizations so as to provide new knowledge.This research is also a finding related to the determination of a person's attitude towards using Islamic FinTech.