Pengaruh Intensi Penggunaan FinTech di Kalangan Masyarakat Umum pada Bank Syariah
Abstract
Perkembangan Financial Technology dalam beberapa tahun terakhir meningkat sangat pesat. Seiring dengan perkembangan zaman, perkembangan teknologi juga ikut serta di dalamnya. Teknologi yang semakin canggih dan praktis juga bermunculan, seperti financial technology. Dengan adanya Fintech ini, masyarakat pelosok juga dapat menggunakan layanan keuangan berbasis teknologi tanpa harus menempuh jarak jauh untuk mendapatkan layanan keuangan. Financial Technology adalah teknologi atau inovasi yang disempurnakan oleh bidang finansial sehingga transaksi keuangan bisa diterapkan secara efisien, mudah, dan rasional. Tujuan utama Financial Technology adalah untuk menggerakkan ekstensif keuangan dan juga membantu pemerintah dalam seluruh aspek penyajian keuangan. Saat ini sudah banyak penelitian tentang Financial Technology di bidang perbankan dan keuangan, namun kajian yang dilakukan dalam konteks syariah masih sangat terbatas di bidang perbankan khususnya di negara Indonesia ini. Oleh karena itu, kami ingin meneliti Financial Technology di sektor syariah dan mengetahui sikap pengguna terhadap penerapan Financial Technology di perbankan syariah. Penelitian ini menggunakan metode kuantitatif dengan menyebarkan kuesioner melalui Google Forms. Hasil pengolahan data dari Smart PLS menemukan bahwa pengetahuan dan norma subjektif berpengaruh signifikan terhadap niat berperilaku.
Kata Kunci: Intention to adopt FinTech; Attitude; Awareness; Knowledge; Subjective Norms
Abstract
The development of Financial Technology in recent years has increased very rapidly. Along with the times, technological developments also participate in it. Technology that is increasingly sophisticated and practical has emerged, such as financial technology. With this Fintech, remote communities can also use technology-based financial services without having to travel long distances to get financial services. Financial Technology is a technology or innovation that is enhanced by the financial sector so that financial transactions can be implemented efficiently, easily, and rationally. The main objective of Financial Technology is to drive extensive finance and also assist the government in all aspects of financial presentation. Currently, there are a lot of research on Financial Technology in banking and finance, but the studies conducted in the context of sharia are still very limited in the banking sector, especially in this country of Indonesia. Therefore, we want to research Financial Technology in the Islamic sector and to know the attitudes of users towards the application of Financial Technology in Islamic banking. This research was using a quantitative method by distributing questionnaires through Google Forms. The results of data processing from Smart PLS found that knowledge and subjective norms have a significant effect on behavioral intentions.
Keywords: Intention to adopt FinTech; Attitude; Awareness; Knowledge; Subjective Norms
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DOI: https://doi.org/10.37531/sejaman.v4i3.3274
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