Date Log
Submitted
30 July 2024
Accepted
23 December 2024
Published
31 December 2024
Copyright (c) 2024 Fitriani Latief, Suriyanti Suriyanti, Asbi Amin, Amir Mahmud, Ahmad Firman, Dirwan Dirwan (Author)
This work is licensed under a Creative Commons Attribution 4.0 International License.
Ease and Risk Perception: Interest in Using Sharia Digital Payments, and the Users' Attitude Consequences
Corresponding Author(s) : Fitriani Latief
Jurnal Minds: Manajemen Ide dan Inspirasi,
Vol. 11 No. 2 (2024): December
Abstract
This study explores the unique role of Sharia compliance in shaping user behavior toward digital payment systems, focusing on the Islamic digital-payment platform. It aims to examine how perceived convenience, and perceived risk influence attitudes and interests in adopting Sharia-compliant digital payments. Using a quantitative approach, the research targets the users of LinkAja Sharia, Indonesia, employing purposive judgment sampling resulting in 150 response rates. Data were analyzed through Structural Equation Modeling Partial Least Square (PLS- SEM). The findings indicate that perceived convenience and perceived risk significantly and positively affect both attitudes and interest. Moreover, attitudes mediate the relationship between these perceptions and interest. The study underscores how aligning financial technology with Islamic principles adds trust and appeal, offering valuable insights for developers aiming to integrate ethical and religious values into fintech innovations for Muslim markets, and global endeavors.
Keywords
Convenience
Perception
Perceived Risk
Interest
Attitude
Islamic Digital Payment
Latief, F., Suriyanti, S., Amin, A., Mahmud, A., Firman, A., & Dirwan, D. (2024). Ease and Risk Perception: Interest in Using Sharia Digital Payments, and the Users’ Attitude Consequences. Jurnal Minds: Manajemen Ide Dan Inspirasi, 11(2), 341–356. https://doi.org/10.24252/minds.v11i2.50219
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References
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References
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Farivar, S., Turel, O., & Yuan, Y. (2017). A trust-risk perspective on social commerce use: an examination of the biasing role of habit. Internet Research, 27(3), 586–607. https://doi.org/10.1108/IntR-06-2016-0175
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Gomaa Agag Ahmed El-masry. (2016). The rapid growth of electronic commerce (e-commerce) has created fertile ground for online fraud and deception. Internet Research, 26(4).
Gurbaxani, V., & Dunkle, D. (2019). Gearing up for successful digital transformation. MIS Quarterly Executive, 18(3). https://doi.org/10.17705/2msqe.00017
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Hawari, A. P., & Harahap, K. (2023). Pengaruh Promosi Dan Persepsi Kemudahan Dalam Penggunaan E-Wallet Shopeepay Terhadap Keputusan Pembelian Pada Masyarakat Kota Medan. Jurnal Ekonomi, Akuntansi Dan Manajemen Indonesia, 2(01), 27–40.
Hepola, J., Leppäniemi, M., & Karjaluoto, H. (2020). Is it all about consumer engagement? Explaining continuance intention for utilitarian and hedonic service consumption. Journal of Retailing and Consumer Services, 57(December 2019). https://doi.org/10.1016/j.jretconser.2020.102232
Hojnik, J., Ruzzier, M., Konečnik Ruzzier, M., Sučić, B., & Soltwisch, B. (2023). Challenges of demographic changes and digitalization on eco-innovation and the circular economy: Qualitative insights from companies. Journal of Cleaner Production, 396. https://doi.org/10.1016/j.jclepro.2023.136439
Hossain, Md. S., & Zhou, X. (2018). Impact of m-payments on purchase intention and customer satisfaction : perceived flow as mediator. International Journal of Science and Business, 2(3), 503–517. https://doi.org/10.5281/zenodo.1408692
Indriyani MS, E., Fatma, F., & Hasyim, R. (2022). The Effect Of Perceived Risk, Financial Knowledge And Government Support On User Interest With Perceived Usefulness As An Intervening Variable: Study On E-Wallet Users In Sulawesi. Jurnal Manajemen Universitas Bung Hatta, 17(2). https://doi.org/10.37301/jmubh.v17i2.20886
Jia, S., Zhang, W., Li, P., Feng, T., & Li, H. (2013). Attitude toward money modulates outcome processing: An ERP study. Social Neuroscience. https://doi.org/10.1080/17470919.2012.713316
Jiaxin Zhang, J., Luximon, Y., & Song, Y. (2019). The role of consumers’ perceived security, perceived control, interface design features, and conscientiousness in continuous use of mobile payment services. Sustainability (Switzerland), 11(23). https://doi.org/10.3390/su11236843
Johnson, V. L., Kiser, A., Washington, R., & Torres, R. (2018). Limitations to the rapid adoption of M-payment services: Understanding the impact of privacy risk on M-Payment services. Computers in Human Behavior, 79, 111–122. https://doi.org/10.1016/j.chb.2017.10.035
Kang, S., Hur, W. M., & Son, M. (2014). The moderating role of socio-demographics on smartphone adoption. International Journal of Mobile Communications, 12(5), 532–550. https://doi.org/10.1504/IJMC.2014.064597
Kashif, M., Zarkada, A., & Ramayah, T. (2018). The impact of attitude, subjective norms, and perceived behavioural control on managers’ intentions to behave ethically. Total Quality Management and Business Excellence, 29(5–6), 481–501. https://doi.org/10.1080/14783363.2016.1209970
Khalilzadeh, J., Ozturk, A. B., & Bilgihan, A. (2017). Security-related factors in extended UTAUT model for NFC based mobile payment in the restaurant industry. Computers in Human Behavior, 70, 460–474. https://doi.org/10.1016/j.chb.2017.01.001
Khayer, A., & Bao, Y. (2019). The continuance usage intention of Alipay: Integrating context-awareness and technology continuance theory (TCT). Bottom Line, 32(3), 211–229. https://doi.org/10.1108/BL-07-2019-0097
Lai, P. C., & Liew, E. J. Y. (2021). Towards a Cashless Society: The Effects of Perceived Convenience and Security on Gamified Mobile Payment Platform Adoption. Australasian Journal of Information Systems, 25, 1–25. https://doi.org/10.3127/AJIS.V25I0.2809
Lee, J. M., & Kim, H. J. (2020). Determinants of adoption and continuance intentions toward Internet-only banks. International Journal of Bank Marketing, 38(4), 843–865. https://doi.org/10.1108/IJBM-07-2019-0269
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Sahi, A. M., Khalid, H., Abbas, A. F., & Khatib, S. F. A. (2021). The evolving research of customer adoption of digital payment: Learning from content and statistical analysis of the literature. Journal of Open Innovation: Technology, Market, and Complexity, 7(4). https://doi.org/10.3390/joitmc7040230
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Slovic, P., Fischhoff, B., & Lichtenstein, S. (1982). Why Study Risk Perception? Risk Analysis, 2(2), 83–93.
Sumathy, M., & KP, V. (2017). Digital payment systems: Perception and concerns among urban consumers. 3(6), 1118–1122.
Tai, Y. F., Wang, Y. C., & Luo, C. C. (2021). Technology- or human-related service innovation? Enhancing customer satisfaction, delight, and loyalty in the hospitality industry. Service Business, 15(4). https://doi.org/10.1007/s11628-021-00461-w
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Tavitiyaman, P., Zhang, X., & Tsang, W. Y. (2020). How Tourists Perceive the Usefulness of Technology Adoption in Hotels: Interaction Effect of Past Experience and Education Level. Journal of China Tourism Research. https://doi.org/10.1080/19388160.2020.1801546
Venkatesh, V. (2000). Determinants of perceived ease of use: Integrating perceived behavioral control, computer anxiety and enjoyment into the technology acceptance model. Information Systems Research, 11(1), 3–11.
Wang, Y.-Hui., & Chen, L.-Yan. (2016). An Empirical Study of the Effect of Perceived Price on Purchase Intention Evidence from Low-Cost Carriers. International Journal of Business and Social Science, 7(4), 97–107.
Weber, E. U., & Milliman, R. A. (1997). Perceived risk attitudes: Relating risk perception to risky choice. Management Science, 43(2), 123–144. https://doi.org/10.1287/mnsc.43.2.123
Yang, X. (2021). Determinants of consumers’ continuance intention to use social. Technology in Society, 64(February 2020), 197–198. https://doi.org/10.5840/ruffinoup199594
Zakiah, F., & Al-Aidaros, A. H. (2017). Customers’ Islamic ethical behavior: the case of Malaysian Islamic banks. Humanomics, 33(3), 371–383. https://doi.org/10.1108/H-03-2017-0046
Zhou, T. (2011). Examining The Critical Success Factors Of Mobile Website Adoption. Online Information Review, 35(4), 636–652. https://doi.org/10.1108/14684521111161972