Photographing Gen-Z Behavior in Perceiving Sharia Fintech Security in Indonesia

Abstract

Purpose — Indonesia has the opportunity to become the largest market for halal products in the world, one of which is through Sharia fintech. This research aims to examine the Attitude toward using variables in mediating the relationship between perceived security and behavioural intention.

Method — The population in this study were Linkaja Syariah fintech users at the Salatiga State Islamic University. A sample of 100 respondents was taken using purposive sampling. Multiple linear regression analysis and Path analysis were used to test the influence between variables, with the help of SPSS 25 software.

Result — The research results explained that perceived security could not influence behavioural intention, but perceived security was proven to have a significant positive effect on Attitude toward using. Apart from that, this research proves that Attitude toward using mediates the influence of perceived security on behavioural intention. Finally, this research is very important to be used as a reference in determining the motives of Sharia fintech users in Indonesia.

Novelty — This research examines Sharia fintech by including Attitude as a variable mediator.