Purpose

This study’s objectives are twofold; first, this paper aims to explore the determinants of perceived benefit and perceived risk of Islamic Fintech. Second, this study examines the influence of perceived benefit, perceived risk and user trust on the intention to adopt Islamic Fintech.

Design/methodology/approach

The sample of 350 was distributed among the respondents, while a usable sample of 321 was retained for the analysis. The study performed a self-administration survey to collect the sample data while the hypothesized model was tested using SmartPLS.

Findings

The results revealed that perceived benefit and perceived risk were significant and positively influenced by their factors. Moreover, perceived benefits showed a positive and significant impact on trust. However, perceived risk had a negative and significant impact on trust. The results also found a strong positive and significant relationship between trust and intention to adopt Islamic Fintech.

Originality/value

The outcome of this research may be used to develop strategies for Fintech and enables the financial sector to attain economies of scale in the world.

中文翻译：

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感知风险、收益和信任如何决定用户采用金融科技：伊斯兰金融的新维度

目的

这项研究的目标是双重的；首先，本文旨在探讨伊斯兰金融科技感知收益和感知风险的决定因素。其次，本研究考察了感知收益、感知风险和用户信任对采用伊斯兰金融科技的意图的影响。

设计/方法/方法

350 个样本分布在受访者中，同时保留了 321 个可用样本进行分析。该研究进行了自我管理调查以收集样本数据，同时使用 SmartPLS 测试假设模型。

发现

结果表明，感知收益和感知风险显着并受其因素的积极影响。此外，感知收益显示出对信任的积极和显着影响。然而，感知风险对信任产生了负面和显着的影响。结果还发现信任与采用伊斯兰金融科技的意愿之间存在强烈的正相关关系。

原创性/价值

这项研究的结果可用于制定金融科技战略，并使金融部门能够在世界范围内实现规模经济。