How perceived risk, benefit and trust determine user Fintech adoption: a new dimension for Islamic finance
Summary (1 min read)
- This study’s objectives are twofold; first, this paper aims to explore the determinants of perceived benefit and perceived risk of Islamic Fintech.
- Second, this study examines the influence of perceived benefit, perceived risk and user trust on the intention to adopt Islamic Fintech.
- The sample of 350 was distributed among the respondents, while a usable sample of 321 was retained for the analysis.
- The study performed a self-administration survey to collect the sample data while the hypothesized model was tested using SmartPLS.
- The results revealed that perceived benefit and perceived risk were significant and positively influenced by their factors.
- Moreover, perceived benefits showed a positive and significant impact on trust.
- Perceived risk had a negative and significant impact on trust.
- The results also found a strong positive and significant relationship between trust and intention to adopt Islamic Fintech.
- The outcome of this research may be used to develop strategies for Fintech and enables the financial sector to attain economies of scale in the world.
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