Islamic financial technology acceptance: An empirical study in Jordan
The present research endeavors to comprehend the determinants that impact the inclination to utilize financial technology within the context of Islamic banking clientele. The study undertakes an examination of various determinants that may exert an influence on the consumer's intention...
| Main Authors: | , , , , , , |
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| Format: | Article |
| Language: | English |
| Published: |
Growing Science
2023-01-01
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| Series: | International Journal of Data and Network Science |
| Online Access: | http://www.growingscience.com/ijds/Vol7/ijdns_2023_120.pdf |
| _version_ | 1797740593509564416 |
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| author | Ibrahim Radwan Alnsour Mohammad Yousef Alghadi Ahmad Bani Ahmad Mohammad Haider Alibraheem Said Mohamad Altahat Raed Walid Al-Smadi Khaled Y Alshboul |
| author_facet | Ibrahim Radwan Alnsour Mohammad Yousef Alghadi Ahmad Bani Ahmad Mohammad Haider Alibraheem Said Mohamad Altahat Raed Walid Al-Smadi Khaled Y Alshboul |
| author_sort | Ibrahim Radwan Alnsour |
| collection | DOAJ |
| description | The present research endeavors to comprehend the determinants that impact the inclination to utilize financial technology within the context of Islamic banking clientele. The study undertakes an examination of various determinants that may exert an influence on the consumer's intention. These determinants encompass financial risk, legal risk, security risk, operational risk, consumer innovativeness, perceived ease of use, and perceived usefulness. The technology acceptance model is employed as the theoretical framework for the research. The requisite data for hypothesis testing is collected through the administration of an online survey to consumers of Islamic banks who possess a high degree of adaptability and proficiency in utilizing financial technology. The study employs the methodology of structural equation modelling with partial least squares to assess the proposed relationships among a sample of 399 participants. The results indicate that the acceptance of Islamic Financial technology services is contingent upon the perceived ease of use, perceived usefulness, and consumer innovativeness. In contrast, it is observed that various other factors, namely financial risk, legal risk, security risk, and operational risk, do not hold significant sway in shaping the level of acceptance of Islamic Financial technology among users of Islamic banking services. The concept of Technology Acceptance Model (TAM) is expanded within the realm of Islamic financial technology, and it is utilized to examine the impact of a novel factor, specifically consumer innovativeness. The untested nature of consumer innovativeness makes this paper a valuable resource for policymakers, academics, and researchers in the future. |
| first_indexed | 2024-03-12T14:14:37Z |
| format | Article |
| id | doaj.art-810ec8fcb0bc4bb9bcb6afa344fc4667 |
| institution | Directory Open Access Journal |
| issn | 2561-8148 2561-8156 |
| language | English |
| last_indexed | 2024-03-12T14:14:37Z |
| publishDate | 2023-01-01 |
| publisher | Growing Science |
| record_format | Article |
| series | International Journal of Data and Network Science |
| spelling | doaj.art-810ec8fcb0bc4bb9bcb6afa344fc46672023-08-20T19:09:34ZengGrowing ScienceInternational Journal of Data and Network Science2561-81482561-81562023-01-01741659166810.5267/j.ijdns.2023.7.023Islamic financial technology acceptance: An empirical study in JordanIbrahim Radwan AlnsourMohammad Yousef AlghadiAhmad Bani AhmadMohammad Haider AlibraheemSaid Mohamad AltahatRaed Walid Al-Smadi Khaled Y Alshboul The present research endeavors to comprehend the determinants that impact the inclination to utilize financial technology within the context of Islamic banking clientele. The study undertakes an examination of various determinants that may exert an influence on the consumer's intention. These determinants encompass financial risk, legal risk, security risk, operational risk, consumer innovativeness, perceived ease of use, and perceived usefulness. The technology acceptance model is employed as the theoretical framework for the research. The requisite data for hypothesis testing is collected through the administration of an online survey to consumers of Islamic banks who possess a high degree of adaptability and proficiency in utilizing financial technology. The study employs the methodology of structural equation modelling with partial least squares to assess the proposed relationships among a sample of 399 participants. The results indicate that the acceptance of Islamic Financial technology services is contingent upon the perceived ease of use, perceived usefulness, and consumer innovativeness. In contrast, it is observed that various other factors, namely financial risk, legal risk, security risk, and operational risk, do not hold significant sway in shaping the level of acceptance of Islamic Financial technology among users of Islamic banking services. The concept of Technology Acceptance Model (TAM) is expanded within the realm of Islamic financial technology, and it is utilized to examine the impact of a novel factor, specifically consumer innovativeness. The untested nature of consumer innovativeness makes this paper a valuable resource for policymakers, academics, and researchers in the future.http://www.growingscience.com/ijds/Vol7/ijdns_2023_120.pdf |
| spellingShingle | Ibrahim Radwan Alnsour Mohammad Yousef Alghadi Ahmad Bani Ahmad Mohammad Haider Alibraheem Said Mohamad Altahat Raed Walid Al-Smadi Khaled Y Alshboul Islamic financial technology acceptance: An empirical study in Jordan International Journal of Data and Network Science |
| title | Islamic financial technology acceptance: An empirical study in Jordan |
| title_full | Islamic financial technology acceptance: An empirical study in Jordan |
| title_fullStr | Islamic financial technology acceptance: An empirical study in Jordan |
| title_full_unstemmed | Islamic financial technology acceptance: An empirical study in Jordan |
| title_short | Islamic financial technology acceptance: An empirical study in Jordan |
| title_sort | islamic financial technology acceptance an empirical study in jordan |
| url | http://www.growingscience.com/ijds/Vol7/ijdns_2023_120.pdf |
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