The Effects of Trust, Perceived Ease of Use, and Transaction Interest on Attitudes Toward Using Sharia Fintech

Abstract

Introduction/Main Objectives: This study investigates the effects of trust, perceived ease of use, and transaction interest on attitudes toward using Sharia fintech in Malang, Indonesia. The research addresses a gap in the literature, as few previous studies have simultaneously examined these three variables together in the context of Sharia fintech adoption. Research Methods: A quantitative exploratory approach was employed, involving 100 respondents who completed an online questionnaire. The data were analyzed using SEM-PLS to assess the relationships among variables. Finding/Results: All the results show that trust (, ), perceived ease of use (, ), and transaction interest (, Each has significant and positive effects on user attitudes toward Sharia fintech adoption. Conclusion: Trust, ease of use, and transaction interest are key to Sharia fintech adoption, offering practical insights for improving user acceptance.