Factors Influencing Behavioral Intention to Apply Freemium Services in Islamic Lifestyle Digital Applications Using Unified Theory of Acceptance and Use of Technology (UTAUT)
Downloads
Background: Islamic lifestyle digital applications (ILDA) are a sector in the rapidly increasing digital halal media and leisure industry. To ensure sustainable revenue for ILDA developers, freemium strategy needs to be implemented. However, there is a lack of research examining the factors that influence the adoption of freemium strategies in ILDA products.
Objective: This research aimed to explore the factors within Unified Theory of Acceptance and Use of Technology (UTAUT) framework that aid ILDA users to use freemium services. Specifically, the research focused on users trust (UT) and users satisfaction (US) as factors influencing the increase in behavioral intention (BI).
Methods: Quantitative method was adopted in this context and purposive sampling method was used to obtain 400 data from respondents. The data were then analyzed using Partial Least Square Structural Equation Model (PLS-SEM) method.
Results: The results showed that performance expectancy (PE) as well as effort expectancy (EE) positively and significantly influenced US. Similarly, facilitating conditions (FC) and social influence (SI) significantly affected UT. Both UT and US positively influenced users BI toward freemium services. Digital literacy (DL) had a positive moderating effect between PE and business expectations in US, but the effect was not statistically significant.
Conclusion: The research described that all UTAUT variables, along with UT and US, influenced the intention to adopt freemium services in ILDA. Moreover, DL did not have any moderating effect on the framework considered in this context. These results signified that users tended to be satisfied and trust the benefits enjoyed, rather than being influenced by DL level.
Keywords: Behavioral Intention, Digital Literacy, Islamic Lifestyle Digital Application, Satisfaction, Trust, UTAUT
A. A. Alalwan, Y. K. Dwivedi, and N. P. Rana, “Factors influencing adoption of mobile banking by Jordanian bank customers: Extending UTAUT2 with trust,” Int. J. Inf. Manage., vol. 37, no. 3, pp. 99–110, 2017, doi: 10.1016/j.ijinfomgt.2017.01.002.
S. A. Busari and S. O. Aminu, “Application of blockchain information technology in Ṣukūk trade,” J. Islam. Account. Bus. Res., vol. 13, no. 1, pp. 1–15, 2021, doi: 10.1108/JIABR-10-2019-0197.
S. Luo, Y. Sun, F. Yang, and G. Zhou, “Does fintech innovation promote enterprise transformation? Evidence from China,” Technol. Soc., vol. 68, p. 101821, 2022, doi: 10.1016/j.techsoc.2021.101821.
D. Shao, H. Mwangakala, F. Ishengoma, H. Mongi, C. Mambile, and F. Chali, “Sustenance of the digital transformations induced by the COVID-19 pandemic response: Lessons from Tanzanian public sector,” Glob. Knowledge, Mem. Commun., vol. 72, no. 6–7, pp. 700–713, Jul. 2023, doi: 10.1108/GKMC-11-2021-0186.
Winarsih, M. Indriastuti, and K. Fuad, “Impact of covid-19 on digital transformation and sustainability in small and medium enterprises (smes): A conceptual framework,” Adv. Intell. Syst. Comput., vol. 1194 AISC, pp. 471–476, 2021, doi: 10.1007/978-3-030-50454-0_48.
I. K. A. Hamdan, W. Aziguli, D. Zhang, E. Sumarliah, and K. Usmanova, “Forecasting blockchain adoption in supply chains based on machine learning: Evidence from Palestinian food SMEs,” Br. Food J., vol. 124, no. 12, pp. 4592–4609, Nov. 2022, doi: 10.1108/BFJ-05-2021-0535.
A. Hendratmi, M. N. H. Ryandono, and P. S. Sukmaningrum, “Developing Islamic crowdfunding website platform for startup companies in Indonesia,” J. Islam. Mark., vol. 11, no. 5, pp. 1041–1053, 2020, doi: 10.1108/JIMA-02-2019-0022.
A. Isma, A. Arfan, Z. Zulqarnin, and S. Sahmin, “Making Muslim Rahmatan Lil ‘Alamin via android: Study on UMMA Mobile App,” in Proceedings of the 4th International Colloquium on Interdisciplinary Islamic Studies in conjunction with the 1st International Conference on Education, Science, Technology, Indonesian and Islamic Studies, ICIIS and ICESTIIS 2021, 20-21 October 2021, Jambi, EAI, 2022. doi: 10.4108/eai.20-10-2021.2316354.
D. Solahudin and M. Fakhruroji, “Internet and islamic learning practices in Indonesia: Social media, religious populism, and religious authority,” Religions, vol. 11, no. 1, pp. 1–12, 2020, doi: 10.3390/rel11010019.
Dinar Standard, “State of the global islamic economy report 2020/21 - thriving in uncertainty,” in State Glob. Islam. Econ. Rep. 2020/21, vol. 1, no. 1, 2021, pp. 92–95. [Online]. Available: https://cdn.salaamgateway.com
Dinar Standard, “State of the global islamic economy report 2022,” in Dubai Int. Financ. Cent, 2022, p. 112. [Online]. Available: https://haladinar.io/hdn/doc/report2018.pdf
DinarStandard, “Digital islamic economy: Special focus brief on the digital islamic consumer services,” 2015. [Online]. Available: https://www.dinarstandard.com/wp-content/uploads/2019/05/SALAAM14092015044145.pdf
SGIER, “State of the global islamic economy report,” in DinarStandard, 2023, pp. 65–66. [Online]. Available: https://haladinar.io/hdn/doc/report2018.pdf
The Royal Islamic Strategic Studies Center, The World’s 500 Most Influential Muslims, 2023. 2023. [Online]. Available: https://themuslim500.com/books/The Muslim 500 2023 edition - Free eBook.pdf
A. Agil, N. Rakhmad, and W. N. Hidayat, “Halalan.Id: Design and build halal tourism application to develop halal smart city in East Java,” in Proceedings of the BISTIC Business Innovation Sustainability and Technology International Conference (BISTIC 2021), 2021, pp. 189–194. [Online]. Available: https://www.atlantis-press.com/proceedings/bistic-21/125963917
S. H. Hamjah, N. S. Mat Akhir, Z. Ismail, A. Ismail, and N. Mohd. Arib, “The application of ibadah (worship) in counseling: Its importance and implications to muslim clients,” J. Relig. Health, vol. 56, no. 4, pp. 1302–1310, 2017, doi: 10.1007/s10943-015-0122-6.
Badan Pusat Statistik Indonesia, Analisis Profil Penduduk Indonesia. 2022. [Online]. Available: https://www.bps.go.id/
Z. Li, G. Nan, and M. Li, “Advertising or freemium: The impacts of social effects and service quality on competing platforms,” IEEE Trans. Eng. Manag., vol. 67, no. 1, pp. 220–233, 2020, doi: 10.1109/TEM.2018.2871420.
R. A. Ericska, L. A. M. Nelloh, and S. Pratama, “Purchase intention and behavioural use of freemium mobile games during Covid-19 outbreak in Indonesia,” Procedia Comput. Sci., vol. 197, no. 2021, pp. 403–409, 2021, doi: 10.1016/j.procs.2021.12.156.
F. Layrisse, E. Reficco, and A. Barrios, “What social enterprises can learn from the freemium business model,” Acad. Rev. Latinoam. Adm., vol. 34, no. 1, pp. 165–181, 2021, doi: 10.1108/ARLA-05-2020-0096.
J. van Angeren, G. Vroom, B. T. McCann, K. Podoynitsyna, and F. Langerak, “Optimal distinctiveness across revenue models: Performance effects of differentiation of paid and free products in a mobile app market,” Strateg. Manag. J., vol. 43, no. 10, pp. 2066–2100, 2022, doi: 10.1002/smj.3394.
J. Kim, J. Lee, and H. Zo, “Toward sustainable freemium software: The roles of user satisfaction and use context,” J. Electron. Commer. Res., vol. 19, no. 3, pp. 201–222, 2018.
Y. C. Zhao, D. Wu, S. Song, and X. Yao, “Exploring players’ in-game purchase intention in freemium open-world games: The role of cognitive absorption and motivational affordances,” Int. J. Hum. Comput. Interact., vol. 40, no. 3, pp. 744–760, 2022, doi: 10.1080/10447318.2022.2121885.
H. Ferreira Barbosa, J. García-Fernández, V. Pedragosa, and G. Cepeda-Carrion, “The use of fitness centre apps and its relation to customer satisfaction: A UTAUT2 perspective,” Int. J. Sport. Mark. Spons., vol. 23, no. 5, pp. 1464–6668, 2021, doi: 10.1108/IJSMS-01-2021-0010.
M. Mäntymäki, A. K. M. N. Islam, and I. Benbasat, “What drives subscribing to premium in freemium services? A consumer value-based view of differences between upgrading to and staying with premium,” Inf. Syst. J., vol. 30, no. 2, pp. 295–333, 2020, doi: 10.1111/isj.12262.
K. Bawa and R. Shoemaker, “The effects of free sample promotions on incremental brand sales,” Mark. Sci., vol. 23, no. 3, 2004, doi: 10.1287/mksc.1030.0052.
J. Hamari, N. Hanner, and J. Koivisto, “‘Why pay premium in freemium services?’ A study on perceived value, continued use and purchase intentions in free-to-play games,” Int. J. Inf. Manage., vol. 51, no. November 2018, p. 102040, 2020, doi: 10.1016/j.ijinfomgt.2019.102040.
A. Beltagui, T. Schmidt, M. Candi, and D. L. Roberts, “Overcoming the monetization challenge in freemium online games,” Ind. Manag. Data Syst., vol. 119, no. 6, pp. 1339–1356, 2019, doi: 10.1108/IMDS-08-2018-0350.
J. Syahrivar, C. Chairy, I. D. Juwono, and T. Gyulavári, “Pay to play in freemium mobile games: A compensatory mechanism,” Int. J. Retail Distrib. Manag., vol. 50, no. 1, pp. 117–134, 2022, doi: 10.1108/IJRDM-09-2020-0358.
H. Wang, A. Chin, and H. Wang, “Social influence on being a pay user in freemium-based social networks,” in Proceedings - International Conference on Advanced Information Networking and Applications, AINA, 2011, pp. 526–533. doi: 10.1109/AINA.2011.35.
V. Venkatesh, M. G. Morris, G. B. Davis, and F. D. Davis, “User acceptance of information technology: Toward a unified view,” MIS Q. Manag. Inf. Syst., vol. 27, no. 3, pp. 425–478, 2003, doi: 10.2307/30036540.
C. L. Hsu and J. C. C. Lin, “Effect of perceived value and social influences on mobile app stickiness and in-app purchase intention,” Technol. Forecast. Soc. Change, vol. 108, pp. 42–53, 2016, doi: 10.1016/j.techfore.2016.04.012.
S. Lee, C. Kim, and H. Lee, “What should be offered for free and what for premium in a freemium service? A two-stage approach of Kano & path analysis to the design of freemium services,” Technol. Anal. Strateg. Manag., vol. 36, no. 7, pp. 1476–1489, 2024, doi: 10.1080/09537325.2022.2099265.
T. M. Wagner, A. Benlian, and T. Hess, “Converting freemium customers from free to premium—the role of the perceived premium fit in the case of music as a service,” Electron. Mark., vol. 24, no. 4, pp. 259–268, 2014, doi: 10.1007/s12525-014-0168-4.
L. L. Tsai, “A deeper understanding of switching intention and the perceptions of non-subscribers,” Inf. Technol. People, vol. 36, no. 2, pp. 785–807, 2022, doi: 10.1108/ITP-04-2021-0255.
M. Yang, F. Yuan, and J. Jiang, “When does trust reinforce intentions to upgrade to paid online healthcare consultations? The valence of platform- Versus service-related attitudes,” in Proceedings of the 24th Pacific Asia Conference on Information Systems: Information Systems (IS) for the Future, PACIS 2020, 2020.
G. Appel, B. Libai, E. Muller, and R. Shachar, “On the monetization of mobile apps,” Int. J. Res. Mark., vol. 37, no. 1, pp. 93–107, 2020, doi: 10.1016/j.ijresmar.2019.07.007.
T. Fernandes and J. Guerra, “Drivers and deterrents of music streaming services purchase intention,” Int. J. Electron. Bus., vol. 15, no. 1, pp. 17–19, 2019.
L. Lobschat et al., “Corporate digital responsibility,” J. Bus. Res., vol. 122, no. October 2019, pp. 875–888, 2021, doi: 10.1016/j.jbusres.2019.10.006.
S. Nižetić, N. Djilali, A. Papadopoulos, and J. J. P. C. Rodrigues, “Smart technologies for promotion of energy efficiency, utilization of sustainable resources and waste management,” J. Clean. Prod., vol. 231, pp. 565–591, 2019, doi: 10.1016/j.jclepro.2019.04.397.
G. R. Bunt, “Surfing the app Souq: Islamic applications for mobile devices,” CyberOrient, vol. 4, no. 1, pp. 3–18, 2010, doi: 10.1002/j.cyo2.20100401.0001.
M. H. S. Khairudin and M. A. Mohammad, “The Role of information technology on the muslim community in the era of globalization and digitalization,” J. Inf. Technol. Manag., vol. 13, no. 3, pp. 178–186, 2021, doi: 10.22059/JITM.2021.83236.
A. Hooda, P. Gupta, A. Jeyaraj, M. Giannakis, and Y. K. Dwivedi, “International journal of information management the effects of trust on behavioral intention and use behavior within e-government contexts,” Int. J. Inf. Manage., vol. 67, no. May, p. 102553, 2022, doi: 10.1016/j.ijinfomgt.2022.102553.
P. Y. Chua, S. Rezaei, M. L. Gu, Y. M. Oh, and M. Jambulingam, “Elucidating social networking apps decisions: Performance expectancy, effort expectancy and social influence,” Nankai Bus. Rev. Int., vol. 9, no. 2, pp. 118–142, 2018, doi: 10.1108/NBRI-01-2017-0003.
J. Arenas-Gaitán, B. Peral-Peral, and M. A. Ramón-Jerónimo, “Elderly and internet banking: An application of UTAUT2,” J. Internet Bank. Commer., vol. 20, no. 1, pp. 1–23, 2015.
M. Park, “Factors affecting consumers’ intention to use online music service and customer satisfaction in South Korea,” Degree Proj. Inf. Commun. Technol., vol. 1, no. 1, p. 14, 2020.
V. Venkatesh, J. Y. L. Thong, and X. Xu, “Consumer acceptance and use of information technology: Extending the unified theory of acceptance and use of technology,” MIS Q. Manag. Inf. Syst., vol. 36, no. 1, pp. 157–178, 2012, doi: 10.2307/41410412.
M. El-Masri and A. Tarhini, “Factors affecting the adoption of e-learning systems in Qatar and USA: Extending the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2),” Educ. Technol. Res. Dev., vol. 65, no. 3, pp. 743–763, 2017, doi: 10.1007/s11423-016-9508-8.
E. Juaneda-Ayensa, A. Mosquera, and Y. S. Murillo, “Omnichannel customer behavior: Key drivers of technology acceptance and use and their effects on purchase intention,” Front. Psychol., vol. 7, no. JUL, pp. 1–11, 2016, doi: 10.3389/fpsyg.2016.01117.
R. T. Ratnasari, S. Gunawan, D. F. Septiarini, S. A. Rusmita, and K. C. Kirana, “Customer satisfaction between perceptions of environment destination brand and behavioural intention,” Int. J. Innov. Creat. Chang., vol. 10, no. 12, pp. 472–487, 2020.
A. Abror et al., “Perceived risk and tourist’s trust: the roles of perceived value and religiosity,” J. Islam. Mark., vol. 13, no. 12, pp. 2742–2758, 2022, doi: 10.1108/JIMA-03-2021-0094.
S. M. C. Loureiro, L. Cavallero, and F. J. Miranda, “Fashion brands on retail websites: Customer performance expectancy and e-word-of-mouth,” J. Retail. Consum. Serv., vol. 41, no. December 2017, pp. 131–141, 2018, doi: 10.1016/j.jretconser.2017.12.005.
C. M. Chao, “Factors determining the behavioral intention to use mobile learning: An application and extension of the UTAUT model,” Front. Psychol., vol. 10, no. JULY, 2019, doi: 10.3389/fpsyg.2019.01652.
F. K. Y. Chan, J. Y. L. Thong, V. Venkatesh, S. A. Brown, P. J. H. Hu, and K. Y. Tam, “Modeling citizen satisfaction with mandatory adoption of an E-Government technology,” J. Assoc. Inf. Syst., vol. 11, no. 10, pp. 519–549, 2010, doi: 10.17705/1jais.00239.
A. I. Nicolaou and D. H. McKnight, “Perceived information quality in data exchanges: Effects on risk, trust, and intention to use,” Inf. Syst. Res., vol. 17, no. 4, pp. 332–351, 2006, doi: 10.1287/isre.1060.0103.
J. Tang, B. Zhang, and U. Akram, “User willingness to purchase applications on mobile intelligent devices: evidence from app store,” Asia Pacific J. Mark. Logist., vol. 32, no. 8, pp. 1629–1649, 2020, doi: 10.1108/APJML-06-2019-0411.
A. Hooda, P. Gupta, A. Jeyaraj, M. Giannakis, and Y. K. Dwivedi, “The effects of trust on behavioral intention and use behavior within e-government contexts,” Int. J. Inf. Manage., vol. 67, no. May, p. 102553, 2022, doi: 10.1016/j.ijinfomgt.2022.102553.
R. T. Ratnasari, S. Gunawan, I. Mawardi, and K. C. Kirana, “Emotional experience on behavioral intention for halal tourism,” J. Islam. Mark., vol. 12, no. 4, pp. 864–881, 2020, doi: 10.1108/JIMA-12-2019-0256.
S. Abdul Shukor et al., “Trust on awqaf institutions: evidence from Malaysia,” J. Islam. Mark., vol. 10, no. 2, pp. 511–524, 2019, doi: 10.1108/JIMA-05-2017-0054.
D. F. Septiarini, R. T. Ratnasari, M. C. M. Salleh, S. Herianingrum, and Sedianingsih, “Drivers of behavioral intention among non-Muslims toward halal cosmetics: evidence from Indonesia, Malaysia, and Singapore,” J. Islam. Account. Bus. Res., vol. 14, no. 2, pp. 230-248, 2022, doi: 10.1108/JIABR-02-2021-0064.
S. Chatterjee, G. Shainesh, and C. N. S. Sravanan, “Does intention translate into action? Investigating the impact of loyalty intention on future usage,” J. Indian Bus. Res., vol. 10, no. 2, pp. 151–169, 2018, doi: 10.1108/JIBR-11-2017-0213.
Y. Xiao, X. Ren, P. Zhang, and A. Ketlhoafetse, “The effect of service quality on foreign participants’ satisfaction and behavioral intention with the 2016 Shanghai International Marathon,” Int. J. Sport. Mark. Spons., vol. 21, no. 1, pp. 91–105, 2020, doi: 10.1108/IJSMS-04-2019-0037.
W. A. Alkhowaiter, “Use and behavioural intention of m-payment in GCC countries: Extending meta-UTAUT with trust and Islamic religiosity,” J. Innov. Knowl., vol. 7, no. 4, p. 100240, 2022, doi: 10.1016/j.jik.2022.100240.
E. Toufaily, N. Souiden, and R. Ladhari, “Consumer trust toward retail websites: Comparison between pure click and click-and-brick retailers,” J. Retail. Consum. Serv., vol. 20, no. 6, pp. 538–548, 2013, doi: 10.1016/j.jretconser.2013.05.001.
N. Shaw, “The mediating influence of trust in the adoption of the mobile wallet,” J. Retail. Consum. Serv., vol. 21, no. 4, pp. 449–459, 2014, doi: 10.1016/j.jretconser.2014.03.008.
K. Y. Jin, F. Reichert, L. P. Cagasan, J. de la Torre, and N. Law, “Measuring digital literacy across three age cohorts: Exploring test dimensionality and performance differences,” Comput. Educ., vol. 157, p. 103968, 2020, doi: 10.1016/j.compedu.2020.103968.
G. Polizzi, “Digital literacy and the national curriculum for England: Learning from how the experts engage with and evaluate online content,” Comput. Educ., vol. 152, p. 103859, 2020, doi: 10.1016/j.compedu.2020.103859.
S. Mohammadyari and H. Singh, “Understanding the effect of e-learning on individual performance: The role of digital literacy,” Comput. Educ., vol. 82, pp. 11–25, 2015, doi: 10.1016/j.compedu.2014.10.025.
D. J. Ketchen, “A Primer on Partial Least Squares Structural Equation Modeling,” Long Range Plann., vol. 46, no. 1–2, pp. 184–185, 2013, doi: 10.1016/j.lrp.2013.01.002.
K. Nikolopoulou, V. Gialamas, and K. Lavidas, “Acceptance of mobile phone by university students for their studies: an investigation applying UTAUT2 model,” Educ. Inf. Technol., vol. 25, no. 5, pp. 4139–4155, 2020, doi: 10.1007/s10639-020-10157-9.
N. Upadhyay, S. Upadhyay, S. S. Abed, and Y. K. Dwivedi, “Consumer adoption of mobile payment services during COVID-19: extending meta-UTAUT with perceived severity and self-efficacy,” Int. J. Bank Mark., vol. 40, no. 5, pp. 960–991, 2022, doi: 10.1108/IJBM-06-2021-0262.
A. Al-Ansi and H. Han, “Role of halal-friendly destination performances, value, satisfaction, and trust in generating destination image and loyalty,” J. Destin. Mark. Manag., vol. 13, no. December 2018, pp. 51–60, 2019, doi: 10.1016/j.jdmm.2019.05.007.
A. A. Alalwan, “Mobile food ordering apps: An empirical study of the factors affecting customer e-satisfaction and continued intention to reuse,” Int. J. Inf. Manage., vol. 50, no. February 2019, pp. 28–44, 2020, doi: 10.1016/j.ijinfomgt.2019.04.008.
A. Rama, “Strategic pricing by Islamic banks and the impact on customer satisfaction and behavioral intention,” J. Islam. Account. Bus. Res., vol. 11, no. 9, pp. 2017–2033, 2020, doi: 10.1108/JIABR-04-2019-0078.
R. Rostiani, J. S. Toyib, and S. Khoiriyah, “Why do Muslims engage in adaptive worship behavior during the pandemic? The role of protection motives and religiosity,” J. Islam. Mark., vol. 12, no. 3, pp. 518–542, 2021, doi: 10.1108/JIMA-09-2020-0261.
H. Usman, D. Mulia, C. Chairy, and N. Widowati, “Integrating trust, religiosity and image into technology acceptance model: the case of the Islamic philanthropy in Indonesia,” J. Islam. Mark., vol. 13, no. 2, pp. 381–409, 2022, doi: 10.1108/JIMA-01-2020-0020.
D. Alt and N. Raichel, “Enhancing perceived digital literacy skills and creative self-concept through gamified learning environments: Insights from a longitudinal study,” Int. J. Educ. Res., vol. 101, no. January, p. 101561, 2020, doi: 10.1016/j.ijer.2020.101561.
I. Rodríguez-de-Dios, J. M. F. van Oosten, and J. J. Igartua, “A study of the relationship between parental mediation and adolescents’ digital skills, online risks and online opportunities,” Comput. Human Behav., vol. 82, pp. 186–198, 2018, doi: 10.1016/j.chb.2018.01.012.
Z. E. Csobanka, “The Z Generation,” Acta Technol. Dubnicae, vol. 6, no. 2, pp. 63–76, 2016, doi: 10.1515/atd-2016-0012.
G. Shmueli et al., “Predictive model assessment in PLS-SEM: guidelines for using PLSpredict,” Eur. J. Mark., vol. 53, no. 11, pp. 2322–2347, 2019, doi: 10.1108/EJM-02-2019-0189.
J. F. Hair, J. J. Risher, M. Sarstedt, and C. M. Ringle, “When to use and how to report the results of PLS-SEM,” European Business Review, vol. 31, no. 1. pp. 2–24, 2019. doi: 10.1108/EBR-11-2018-0203.
M. Wetzels, G. Odekerken-Schröder, and C. Van Oppen, “Using PLS path modeling for assessing hierarchical construct models: Guidelines and empirical illustration,” MIS Q. Manag. Inf. Syst., vol. 33, no. 1, pp. 177–196, 2009, doi: 10.2307/20650284.
I. Alnawas and F. Aburub, “The effect of benefits generated from interacting with branded mobile apps on consumer satisfaction and purchase intentions,” J. Retail. Consum. Serv., vol. 31, pp. 313–322, 2016, doi: 10.1016/j.jretconser.2016.04.004.
I. Dwitawati, “Eksplorasi tentang Aplikasi Digital untuk Muslim,” JINTECH J. Inf. Technol., vol. 2, no. 2, pp. 114–124, 2021, doi: 10.22373/jintech.v2i2.1249.
J. Fu and M. Mishra, “Fintech in the time of COVID−19: Technological adoption during crises,” J. Financ. Intermediation, vol. 50, no. December 2020, p. 100945, 2022, doi: 10.1016/j.jfi.2021.100945.
C. K. Pai, Y. Liu, S. Kang, and A. Dai, “The role of perceived smart tourism technology experience for tourist satisfaction, happiness and revisit intention,” Sustain., vol. 12, no. 16, 2020, doi: 10.3390/su12166592.
L. Fan, “Mobile investment technology adoption among investors,” Int. J. Bank Mark., vol. 40, no. 1, pp. 50–67, 2022, doi: 10.1108/IJBM-11-2020-0551.
K. Gupta, Y. Su, T. Kunkel, and D. Funk, “The super engagers of freemium gamified services: using multimethod approach to examine why highly interactive consumers become paying consumers,” Internet Res., vol. 32, no. 6, pp. 1891–1909, 2022, doi: 10.1108/INTR-07-2021-0434.
Y. P. Timur, M. Battour, R. T. Ratnasari, and S. Zulaikha, “What Drives Consumers In Using Digital Apps To Visit Halal Tourism In East Java? Optimization Strategy From UTAUT2 Perspective,” JEBIS J. Ekon. dan Bisnis Islam, vol. 9, no. 1, pp. 190–215, 2023, doi: 10.20473/jebis.v9i1.44569.
Y. P. Timur, “Digital payment dan Pengaruhnya Terhadap Niat Perilaku Konsumen Generasi Z Muslim Pada Marketplice Halal Perspektif Dari UTAUT2,” Pros. Natl. Semin. Accounting, Financ. Econ., vol. 2, no. 5, pp. 138–155, 2022.
Copyright (c) 2024 The Authors. Published by Universitas Airlangga.
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with this journal agree to the following terms:
All accepted papers will be published under a Creative Commons Attribution 4.0 International (CC BY 4.0) License. Authors retain copyright and grant the journal right of first publication. CC-BY Licenced means lets others to Share (copy and redistribute the material in any medium or format) and Adapt (remix, transform, and build upon the material for any purpose, even commercially).