The Influence of Financial Technology and Sharia Compliance on Consumer Trust (A Study on Students of the Faculty of Economics and Business, Mulawarman University, Users of Quick Response Code Indonesian Standard Mobile Banking by Bank Syariah Indonesia)

Abstract

This research was conducted by Noor Armalia Putri with the title "The Influence of Financial Technology
Innovation and Halal Aspects on Consumer Trust (Study on Students of the Faculty of Economics and
Business, Mulawarman University, Users of Quick Response Code Indonesian Standard Mobile Banking
by Bank Syariah Indonesia)" under the guidance of Purwanti. This research aims to determine the influence
of financial technology innovation and halal aspects on consumer trust among students at the Faculty of
Economics and Business, Mulawarman University who use QRIS Mobile Banking by Bank Syariah
Indonesia. The method used in this research is a quantitative approach. The population in this study was
active students of the Faculty of Economics and Business, Mulawarman University, with a total sample of
97 respondents selected through purposive sampling. Data collection was carried out through
questionnaires distributed via Google Forms on the WhatsApp application. Data analysis techniques
included validity tests, reliability tests, ordinal logistic regression analysis, overall model fit tests, goodness
of fit tests, Nagelkerke R Square, and Wald tests (partial t-tests). The results of this research indicate that
both financial technology innovation and halal aspects have a positive and significant influence on
consumer trust. This shows that students who benefit from technological convenience and believe in the
halal integrity of the system tend to have higher trust in QRIS services by Bank Syariah Indonesia..
Keywords: Financial Technology Innovation, Halal Aspects, Consumer Trust