Integrating trust, religiosity and image into technology acceptance model: the case of the Islamic philanthropy in Indonesia

Abstract

Purpose The purpose of this study is to propose an extended model of technology acceptance model (TAM) in the use of financial technology (Fintech) in the context of Islamic philanthropy, especially by studying and exploring the role of trust, image and religiosity in TAM, and to provide policy recommendation for the authorized organizations in Indonesia regarding several crucial factors that need to be considered so that Indonesian Muslims are willing to use Fintech for philanthropic purposes. Design/methodology/approach Online surveys were conducted to collect the data, of which 425 respondents have completed and returned the questionnaire. Multiple linear regression model and multi-variate analysis of variance are applied to test the statistical hypotheses. Findings This study supports the theory of reasoned action and the TAM. In which, the relationship between perceived ease of use and perceived usefulness with TAM is determined by trust and religiosity. Research limitations/implications It is worth to note the limitation of this study lies in the sampling technique and data collection. Indonesia is a fast archipelago country and consists of 34 provinces, but not all of the provinces are represented in the sample. The selected respondent heavily depends on the previous respondent’s willingness to share the questionnaire. So that the number of respondents does not proportionate to region or province. Originality/value This study offers an extended model of TAM that has never been done before, namely, by exploring the role of trust, religiosity and image, in the context of Islamic philanthropy.