UUM Electronic Theses and Dissertation
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The determinant factors of fintech practices among Islamic bank employees in Kuala Lumpur

Nur Maizurah, Ameerudeen (2021) The determinant factors of fintech practices among Islamic bank employees in Kuala Lumpur. Masters thesis, Universiti Utara Malaysia.

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Abstract

We are currently in the era of digitalization where fintech technology is required and needed in our daily life activities. Islamic banks are also moving towards fintech practices. In this sense, the application of fintech in Islamic banks is of no wrong and permissible, as long as the methods are carried out in accordance with the shariah rules and principles. This is due to the fact that Shariah compliance is crucial for the stability and reputation of the Islamic banking industry. Nevertheless, there are a number of challenges for the fintech practices, such as shariah awareness among employees, the roles of shariah advisors' and lack of shariah regulations. Thus, with the presence of the afore-mentioned challenges, this study is aimed at exploring the determinant factors that influence fintech practices among employees of Islamic banks in Malaysia. For this purpose, five (5) selected Islamic banks are surveyed through a questionnaire with 299 respondents. The results are then utilized to examine whether fintech practices are influenced by shariah awareness, shariah advisors' responsibilities, and shariah regulations framework. This study has also employed multiple regression for testing the hypothesis of the study. This study is believed to make a significant contribution to the shariah awareness and shariah regulations framework. In this regard, the Islamic banks need to provide training for increasing the understanding of shariah rules and principles, as it necessary for the employees of Islamic banks to equip themselves with the knowledge of shariah principles to safeguard the reputation of Islamic banks and gain trust from the customers. At the same time, this would also accommodate the regulators in strengthening and delivering proper guidelines on Shariah compliance for all Islamic products and services. Additionally, this study has not significantly contributed to the Shariah advisors' responsibilities but has a positive relationship with the dependent variable. Thus, further research is required in Kuala Lumpur.

Item Type: Thesis (Masters)
Supervisor : Che Arshad, Noraziah
Item ID: 9758
Uncontrolled Keywords: Fintech practices, Shariah compliance, Islamic bank employees
Subjects: H Social Sciences > HG Finance
Divisions: Islamic Business School
Date Deposited: 17 Aug 2022 08:06
Last Modified: 17 Aug 2022 08:06
Department: Islamic Business School
Name: Che Arshad, Noraziah
URI: https://etd.uum.edu.my/id/eprint/9758

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