Purpose

The mergers and acquisitions impact the firm’s marketing strategy to target the potential market. To compete with conventional banks, Shariah banks have accommodated financial technology (Fintech) and digitalisation to retain existing customers and attract potential customers. Furthermore, this study aims to analyse the role of organisational trust and commitment in mediating the effect of perceived organisational support and managers’ perceptions of the readiness for Shariah-compliant Fintech adoption.

Design/methodology/approach

To obtain information, 115 managers from Shariah bank in Indonesia were surveyed. The data were then analysed using PLS-SEM with SmartPLS software.

Findings

Perceived organisational support became crucial in improving readiness to adopt the digitalisation initiative and adhere to Shariah norms. Moreover, organisational trust and commitment fully mediated the effect of perceived organisational support and manager’s readiness to change towards Shariah digital bank.

Practical implications

Adopting Fintech and its services can offer better value to customers. Digital technology has supported the merger acquisition of Shariah bank to reduce operational costs and improve productivity and service quality. The Fintech adoption in Shariah banks needs to align with a marketing strategy that can add value, offer efficient services and ensure that all transactions are safe, transparent and Riba-free (interest charged on financial transactions).

Originality/value

From Shariah bank’s perspective, the role of organisational support in Fintech adoption is limited, and there is a lack of studies investigating managers’ readiness to change in post-merger and acquisitions. This study sheds new light on how Shariah banks must offer Fintech services and adopt digital technology to remain relevant and competitive. This study provides evidence of Shariah-compliant bank readiness and organisational support and commitment enablers using two mediating mechanisms. Properly adopting Fintech can provide superior service and Shariah-compliant banking services.

中文翻译：

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金融技术为符合伊斯兰教法的银行服务做好准备：合并后的观点

目的

并购影响了公司针对潜在市场的营销策略。为了与传统银行竞争，伊斯兰教法银行采用了金融技术（Fintech）和数字化，以留住现有客户并吸引潜在客户。此外，本研究旨在分析组织信任和承诺在调节组织支持感和管理者对符合伊斯兰教法的金融科技采用准备度的看法方面的作用。

设计/方法论/途径

为了获取信息，我们对印度尼西亚伊斯兰教法银行的 115 名经理进行了调查。然后使用 PLS-SEM 和 SmartPLS 软件对数据进行分析。

发现

感知到的组织支持对于提高采用数字化举措和遵守伊斯兰教法规范的准备程度至关重要。此外，组织信任和承诺充分调节了感知到的组织支持和管理者向伊斯兰教法数字银行转变的准备程度的影响。

实际影响

采用金融科技及其服务可以为客户提供更好的价值。数字技术支持伊斯兰教银行的并购，降低运营成本，提高生产力和服务质量。伊斯兰教法银行采用金融科技需要与营销策略保持一致，以增加价值、提供高效服务并确保所有交易安全、透明且无 Riba（金融交易收取利息）。

原创性/价值

从伊斯兰教法银行的角度来看，组织支持在金融科技采用中的作用有限，并且缺乏调查管理者在并购后变革准备程度的研究。这项研究为伊斯兰教法银行必须如何提供金融科技服务并采用数字技术以保持相关性和竞争力提供了新的思路。这项研究使用两种调解机制提供了符合伊斯兰教法的银行准备情况以及组织支持和承诺推动因素的证据。正确采用金融科技可以提供优质的服务和符合伊斯兰教义的银行服务。