Purpose

This study aims to identify the factors that could explain the intention to use Paytech services within an Islamic banking context. The authors use an extended version of the technology acceptance model to develop a causal–predictive analysis.

Design/methodology/approach

The research model and hypotheses were tested by applying partial least square-structured equation modeling to data collected from 214 users of Islamic banking in Saudi Arabia.

Findings

The results show that perceived trust has a highly significant direct effect on the intention to use Islamic Paytech services, whereas perceived risk has a significant indirect effect on IU.

Research limitations/implications

Internet banking behavior may not be static. In technology acceptance, during the various phases from introduction to the maturity phase, the respondent’s perceptions tend to change

Practical implications

From the point of view of Fintech services providers, the knowledge of the factors fostering the adoption of Fintech services would allow an international expansion without the inconvenience of establishing offices or companies in countries whose legislation does not favor the operations carried out by Islamic banks.

Social implications

These digital payment services would allow access to financial services to the entire Muslim population regardless of their location (Islamic and non-Islamic nations) and will also reach out to the next generation of young Muslims as a majority are “digital natives” ready for digital Islamic financial solutions.

Originality/value

This study is the first to explore the intention to use Paytech services by Islamic banking users in Saudi Arabia. From a theoretical perspective, this work contributes to the academic literature by analyzing the intention to use Paytech services in an Islamic banking context. On the practical front, the study identifies the crucial factors that industry players can use to design their Paytech applications and services to increase financial inclusion in Saudi Arabia and other countries with similar cultures as well as to design an international expansion without the inconvenience of establishing offices or companies in countries whose legislation does not favor the operations carried out by Islamic banks.

中文翻译：

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预测伊斯兰银行用户使用 Paytech 服务的意图

目的

本研究旨在确定可以解释在伊斯兰银行背景下使用 Paytech 服务的意图的因素。作者使用技术接受模型的扩展版本来开发因果预测分析。

设计/方法论/途径

通过对从沙特阿拉伯 214 名伊斯兰银行用户收集的数据应用偏最小二乘结构方程模型来测试研究模型和假设。

发现

结果表明，感知信任对使用伊斯兰支付科技服务的意愿有非常显着的直接影响，而感知风险对 IU 有显着的间接影响。

研究局限性/影响

网上银行行为可能不是一成不变的。在技​​术接受方面，从引入到成熟的各个阶段，受访者的看法往往会发生变化

实际影响

从金融科技服务提供商的角度来看，了解促进采用金融科技服务的因素将有助于进行国际扩张，而不会在立法不利于伊斯兰银行开展业务的国家设立办事处或公司带来不便。

社会影响

这些数字支付服务将允许所有穆斯林人口获得金融服务，无论他们身在何处（伊斯兰和非伊斯兰国家），并且还将惠及下一代年轻穆斯林，因为大多数是准备好接受数字化的“数字原住民”伊斯兰金融解决方案。

原创性/价值

本研究首次探讨了沙特阿拉伯伊斯兰银行用户使用 Paytech 服务的意愿。从理论角度来看，这项工作通过分析在伊斯兰银行背景下使用 Paytech 服务的意图，为学术文献做出了贡献。在实践方面，该研究确定了行业参与者可以用来设计 Paytech 应用程序和服务的关键因素，以提高沙特阿拉伯和其他具有相似文化的国家的金融包容性，并设计国际扩张，而无需设立办事处带来不便。或其立法不利于伊斯兰银行开展业务的国家/地区的公司。