Literasi Keuangan Islam, Kesiapan Teknologi, dan Komitmen Religius

Jurnal Simki Economic 2026 Open access

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Authors: Tiara Dwitiya Said, Goso Goso, Yusuf Kamaruddin
DOI: 10.29407/jse.v9i2.1551
Cited by: 1
References: 21

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

Fields of Study & Subjects

Financial Literacy and Behavior Islamic Finance and Communication Health Technology Consumer Behavior

Publication details

Journal / source
Jurnal Simki Economic
Publisher
Universitas Nusantara PGRI Kediri
Volume
9
Issue
2
Pages
398–411
Publication date
7 April 2026