Fintech's development has amplified cybercrime, prompting trust and security concerns in banking. While earlier research predominantly viewed Fintech adoption through a tech-centric lens, emphasising its benefits, there is a paucity of studies on cognitive resistance arising from Fintech controversies. This review synthesises previous Fintech literature on behavioural intentions in banking, emphasising the role of trust, security, and other factors, and highlights existing research gaps. Utilising the ROSES (RepOrting standards for Systematic Evidence Syntheses) framework, a Systematic Literature Review was conducted, analysing 26 articles from Scopus and Web of Science (WoS) databases (2009-2022). Thematic analysis produces five primary themes (UTAUT2 variables; risk; trust; quality; and other), branching into 24 sub-themes. The weight analysis emphasises the best well-utilised predictors like performance expectancy, trust, security, perceived usefulness, and attitude. In addition, the review identifies research gaps and offers recommendations for future studies using the TCCM (Theory, Context, Constructs, and Method) framework. This research provides insights to Fintech companies and regulatory authorities on the preferred attributes of Fintech services that can enhance their adoption within the banking sector.
This study aims to determine, from the perspective of investors, the factors that predict Islamic unit trust (IUT) investment intentions. Additionally, this paper examines the moderating effect of fintech self-efficacy (FSE) on the relationship between attitude and investment intention. A total of 392 data were collected from IUT investors in Malaysia and analyzed using partial least squares structural equation modeling. The findings reveal that subjective norms have the highest impact on investment intention, followed by attitude and FSE, while religiosity is not significantly associated with investment intention in Islamic unit trust funds. Attitude significantly mediates religiosity-intention and Islamic financial literacy-intention relationships. FSE significantly moderates the attitude-intention relationship. The results shed light on the key factors that increase investing behavior and have direct managerial implications with regard to marketing strategies and target markets. These findings suggest that IUT service providers should take the lead in attracting customers through effective and targeted marketing initiatives, particularly by enhancing customers' FSE and capabilities. This study provides empirical evidence on the interrelationships between Islamic financial literacy, religiosity, and FSE in examining investors' behavior using the Theory of Planned Behavior framework. The study explores the moderating role of FSE on the relationship between attitude and investment intention.