A Study on Consumer Satisfaction using Islamic Fintech with the Moderation Effect of Attitude toward Behavior


  • Ahmed Tisman Pasha Associate Professor, Institute of Banking & Finance, Bahauddin Zakariya.University, Multan, Pakistan.
  • Sonia Hassan institute of Southern Punjab
  • Raza Zafar PhD Scholar, Institute of Banking & Finance, Bahauddin Zakariya.University, Multan, Pakistan.




Perceived Usefulness, Perceived Ease of Use, Perceived Privacy Security, Customer Satisfaction, Attitude Islamic FinTech


This study sought to examine how perceptions usefulness, privacy security and perceived ease of use impact customer satisfaction with perceptions of Islamic FinTech in Pakistan serving as a moderating factor. For this study's analysis, PLS_SEM was employed on a sample size of 450 that was obtained by convenience sampling. Perceived usefulness had a positive and substantial effect on consumer satisfaction, according to the study. The Perceived ease of use also had a substantial impact on customer satisfaction. Also, it was discovered that consumer satisfaction was significantly positively impacted by perceived privacy security. The results also demonstrated that attitudes towards Islamic FinTech had a positive influence on the relationship between perceived ease of use and customer satisfaction. To make a stronger connection between perceived usefulness, perceived ease of use, privacy security and customer satisfaction, the study further underlines the moderating influence of attitude towards Islamic FinTech. The development and promotion of Islamic FinTech goods and services in Pakistan will be greatly impacted by these findings. There is the need to understand the role of Reg tech alongwith Fintech in this new era of digitalization and VUCA state.