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Abstract

The Fourth Industrial Revolution has led to the development of Islamic FinTech innovations to meet the needs of the Muslim community. This study analyzes the factors that determine the adoption of Sharia FinTech by halal MSME owners. The study utilized an exploratory method based on an online survey of halal MSME owners with 319 samples. The PLS-SEM analysis technique was chosen to prove the research hypothesis. This research finds that variables such as religiosity, Islamic financial literacy, and perception of risk affect the intention to adopt Islamic FinTech. The UTAUT2 variable has a positive effect on knowledge of Sharia FinTech adoption, while the adoption of Islamic FinTech positively impacts the sustainability of halal MSME businesses. The study recommends strengthening the infrastructure of the Sharia FinTech system and enhancing the value of financial services for halal MSMEs. Integrating Sharia FinTech into business operations can also enhance brand image and increase the sustainable business capacity of halal MSMEs. These insights can help develop effective strategies for Islamic FinTech innovation.

Bahasa Abstract

Revolusi industri keempat telah menyebabkan berkembangnya inovasi FinTech Islami untuk memenuhi kebutuhan masyarakat muslim. Studi ini menganalisis faktor-faktor yang menentukan adopsi FinTech Syariah oleh pemilik UMKM Halal. Penelitian ini menggunakan metode eksploratif berdasarkan survei online pemilik UMKM halal dengan 319 sampel. Teknik analisis PLS-SEM dipilih untuk membuktikan hipotesis penelitian. Penelitian ini menemukan bahwa variabel seperti religiusitas, literasi keuangan Islam, dan persepsi risiko mempengaruhi niat untuk mengadopsi FinTech Islam. Variabel UTAUT2 berpengaruh positif terhadap pengetahuan adopsi FinTech Syariah, sedangkan adopsi FinTech Syariah berdampak positif terhadap keberlangsungan bisnis UMKM Halal. Kajian ini merekomendasikan penguatan infrastruktur sistem FinTech Syariah dan peningkatan nilai layanan keuangan bagi UMKM Halal. Mengintegrasikan FinTech Syariah dalam operasional bisnis juga dapat meningkatkan brand image dan meningkatkan kapasitas bisnis yang berkelanjutan bagi UMKM Halal. Wawasan ini dapat membantu mengembangkan strategi yang efektif untuk inovasi FinTech Islam.

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