Shinta Rahmadia, M. Shabri Abd. Majid, Maulidar Agustina, Ridwan Nurdin, Muhammad Haris Riyaldi, Nurma Sari
The objective of this research is to explore and analyze the moderating role of sharia financial literacy in enhancing the relationship between perceived convenience, perceived benefits, and perceived security on the desire to use sharia financial technology (fintech) services among Gen Z in Banda Aceh City, Indonesia. From a total of 37,892 Gen Z individuals in the city, 150 respondents were selected as the research sample using a purposive sampling technique. The primary data were collected by distributing the questionnaires to the respondents and analyzed using the Moderated Regression Analysis (MRA) method with the support of SEMPLS software. The study recorded that perceived convenience, perceived benefits, and perceived security have a positive impact on interest in using sharia fintech services. The study found an insignificant role of the sharia financial literacy in moderating the effects of perceived convenience, perceived benefits, and perceived security on interest in using sharia fintech services among Gen Z in Banda Aceh City. However, sharia financial literacy positively influenced interest of using sharia fintech services. Thus, to increase interest of Gen Z in using sharia fintech services, it is important to increase sharia financial literacy, perceived convenience, perceived benefits, and perceived security among Gen Z. © 2023 IEEE.
Universitas Syiah Kuala (USK), Faculty of Economics and Business, Department of Economics, Banda Aceh, Indonesia
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