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Determinants of Fintech Adoption among Family Takaful Agents: A TAM-Based Secondary Data Analysis

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  • Badrul Hisham Abd Rahman

    (Faculty of Muamalat & Islamic Finance, Universiti Islam Antarabangsa Tuanku Syed Sirajuddin, Perlis)

  • Nor Izham Subri

    (Faculty of Business and Management Science, Universiti Islam Antarabangsa Tuanku Syed Sirajuddin, Perlis)

  • Abdul Ghafur Hanafi

    (Faculty of Business and Management Science, Universiti Islam Antarabangsa Tuanku Syed Sirajuddin, Perlis)

Abstract

The integration of financial technology (FinTech) into the Family Takaful industry presents unique opportunities and challenges, particularly for agents who must balance technological innovation with adherence to Shariah principles. This study introduces an adapted version of the Technology Acceptance Model (TAM), incorporating Shariah compliance as a core construct, offering the first theoretical framework tailored specifically to Family Takaful agents. Drawing on secondary data from academic journals, regulatory reports, and industry publications between 2018 and 2023, this research identifies key determinants that influence the adoption of FinTech among agents in Southeast Asia and the Gulf Cooperation Council (GCC) region. The findings reveal that perceived usefulness is the strongest predictor of adoption (β = 0.58, p

Suggested Citation

  • Badrul Hisham Abd Rahman & Nor Izham Subri & Abdul Ghafur Hanafi, 2025. "Determinants of Fintech Adoption among Family Takaful Agents: A TAM-Based Secondary Data Analysis," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 9(11), pages 1574-1591, November.
    • Handle: RePEc:bcp:journl:v:9:y:2025:i:11:p:1574-1591
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