The Mediating Role of FinTech on the Adoption of Islamic Banking Products and Services Evidence from Turkey

المجلة: International Journal of Finance and Management (IJFM)

سنة النشر: 2022

تاريخ النشر: 2022-01-04

The aim of this study is to determine the motives for consumer's Adoption of Islamic banking products and services in Turkey, in addition to the fact that the study revealed a gap between the current performance of Islamic banks and what is required of them. And the role of Fintech as a mediator for the Adoption of Islamic Banking services and products. The study for this purpose used the theory of TPB and DTPB. Using a sample of 385 consumers who are currently pursuing Islamic banking facilities, and potential customers for Islamic banking services. The study applied the quantitative method of descriptive analysis and used structural equations modeling of partial least squares (PLS-PM) in the statistical analysis. The results showed the importance of the FinTech mediation relationship between the independent variables (attitudes, subjective standards and perceived behavioral control) and the dependent variable (adopting Turkish Islamic banking services and products). Decision-makers, managers of Islamic banks, and economic experts can effectively increase their allocated base and achieve the Turkish government's goals of making Istanbul the capital of the Islamic economy. It is recommended to conduct further research using the same method of Islamic banking with the inclusion of unaudited variables.