Faktor yang Mempengaruhi Niat Penggunaan Teknologi Kewangan Islam di Malaysia
Factors Influencing the Intention to Use Islamic Financial Technology in Malaysia
Keywords:
Teknologi Kewangan Islam, Persepsi Manfaat, Persepsi Kemudahan Penggunaan, niat penggunaanAbstract
Teknologi kewangan Islam ditakrifkan sebagai segmen teknologi kewangan yang mengikut prinsip syariah, melarang keuntungan daripada hutang, pembayaran faedah dan melabur dalam perniagaan yang berkaitan dengan perkara yang dilarang dalam syariah seperti alkohol, tembakau dan sekatan lain yang melibatkan gharar (ketidakpastian) dan maysir (perjudian). Kajian ini dijalankan bertujuan mengenalpasti faktor-faktor yang mempengaruhi niat penggunaan teknologi kewangan Islam di Malaysia yang melibatkan faktor persepsi manfaat, persepsi kemudahan penggunaan dan kepercayaan. Reka bentuk kajian adalah berbentuk kuantitatif melibatkan analisis statistik deskriptif, korelasi pearson dan regresi. Soalan kajiselidik atas talian diedarkan kepada responden di Lembah Klang dan 78 borang kajiselidik yang lengkap seterusnya diuji menggunakan Statistical Package for the Social Science (SPSS) versi 22. Secara keseluruhannya, faktor persepsi manfaat yang dikaji mempunyai hubungan yang signifikan dengan niat penggunaan teknologi kewangan Islam, manakala persepsi kemudahan penggunaan dan kepercayaan didapati tidak mempunyai hubungan yang signifikan terhadap penggunaan teknologi kewangan Islam.
Islamic financial technology is defined as a segment of financial technology that adheres to Shariah principles, prevents profits from debts, interest and any businesses that are non-Shariah compliant such as alcohol, tobacco and other restrictions that involves gharar (uncertainty) and maysir (gambling).This study aims to identify factors that influence the intention of using Islamic financial technology in Malaysia which involves the perceived usefulness, perceived ease of use and trust. The design of the study is quantitative involving descriptive statistics, pearson correlation and regression for analysis. Online survey questions were distributed to respondents in the Klang Valley and 78 completed questionaires were tested using Statistical Package for the Social Science (SPSS) version 22. Overall, the perceived usefulness factor had a significant relationship with the intention of using Islamic financial technology, while perceived ease of use and trust was found to have no significant relationship of using Islamic financial technology.
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