DIGITALISASI PEMBAYARAN: ADOPSI LAYANAN FINANCIAL TECHNOLOGY (FINTECH) SYARIAH DENGAN PENGETAHUAN AKAN RIBA SEBAGAI VARIABEL MODERASI

Beni Saputra, NIM.: 17108020035 (2021) DIGITALISASI PEMBAYARAN: ADOPSI LAYANAN FINANCIAL TECHNOLOGY (FINTECH) SYARIAH DENGAN PENGETAHUAN AKAN RIBA SEBAGAI VARIABEL MODERASI. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

The progress of the financial industry has made various needs in the community able to be resolved quickly, one of which is through a payment gateway service. The industrial development in this field has attracted enough attention to require Bank Indonesia to issue regulations to accommodate its activities. The development in this industry has also been enlivened by Sharia-based service providers. The purpose of this study is to determine the interest in using Fintech Syariah services in the field of payment gateways with UTAUT as the basic model by adding knowledge of usury as a moderating variable. The population in this study were all users of the Sharia payment gateway service. Sampling was done by convenience sampling, the number of samples used in this study were 116 people. The analysis technique used is the Structural Equation Model and Partial Least Square (SEM_PLS) using Smart PLS 3.3.3 as analysis tools. The results in this study found that Social Influence and Facilitating Conditions have an influence in determining the interest in using Sharia payment gateway services. Two other independen variables, namely Performance expectancy and Effort Expectancy, have no influence on the interest in using Sharia payment gateway services. Meanwhile, in this study there is only 1 variable that can be moderated by Knowledge of usury, namely Effort Expectancy. However, 3 other variables that cannot be moderated include Performance Expectancy, Social Influence, and Facilitating Condition.

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