Behavioral Analysis of Fintech Adoption in Sharia Investment with Artificial Intelligence: Stimulus-Organism-Response Approach
DOI:
https://doi.org/10.20414/icfbb.v2i1.36Keywords:
Artificial intelligence, Fintech, S-O-RAbstract
Purpose — Sharia investment is increasingly becoming a choice and priority among Indonesians. This study aims to analyze fintech adoption behavior in sharia investing with artificial intelligence using a stimulus-organism-response (S-O-R) approach.This paper contributes or enriches the behavior of fintech adoption in sharia investing with artificial intelligence which is certainly expected to be a consideration in policy formulation for stakeholders including Islamic financial institutions.
Method — This research is a type of field research using quantitative methods. Data collection using questionnaires conducted online through google form. Analysis with PLS-SEM using Smart-PLS with a sample of 100 respondents spread across several regions in Indonesia. The respondents were determined by the main criteria, namely Muslims aged 24-39 years who represent the millennial generation.
Result — The results showed that security has a positive effect on trust. In addition, perseived intelligence and service quality positively affect attitude, and trust and attitude positively affect the adoption of fintech-AI. However, unlike perceived usability, perseived intelligence and service quality do not significantly affect trust, besides perceived usability and security do not significantly affect attitude.
Novelty — The use of S-O-R Theory in the context of behavioral analysis of fintech adoption in Islamic investing with artificial intelligence has not received enough attention from experts and trust variables as constructs of organisms have relatively never been tested before.