ADOPTION OF SHARIA FINANCIAL TECHNOLOGY: OPPORTUNITIES AND CHALLENGES FOR MUSLIM YOUTH
Keywords:
Sharia Fintech, Muslim Youth, Financial Technology Adoption, Opportunities, ChallengesAbstract
This research aims to investigate the opportunities and challenges faced by Muslim Youth in adopting sharia Fintech. Sharia fintech is a financial innovation that combines sharia principles with information technology, providing new opportunities for Muslim Youth to manage finances Islamically. This research explores knowledge, attitudes and perceptions, experiences and factors that influence Muslim Youth regarding the adoption of sharia Fintech, as well as analyzing opportunities and challenges for Muslim Youth in adopting sharia Fintech. This research method uses a qualitative descriptive approach. The research sample consisted of Muslim youth aged 17-34 years. The data analysis technique used is qualitative analysis of qualitative data from interviews and questionnaires analyzed using the thematic analysis method. The data analysis process involved several components, namely data reduction, presenting data displayed in tables, and drawing conclusions. The research results show that Muslim Youth who have a deep understanding of sharia principles support the adoption of sharia Fintech, while trust regarding data security and unsatisfactory user experience are the main challenges. User satisfaction regarding a clear profit sharing system is the main driver of adoption. Nevertheless, Muslim Youth see great opportunities in utilizing sharia Fintech to gain easy, fast and in line with religious values.
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