{"id":"https://openalex.org/W7204028176","doi":"https://doi.org/10.71317/jgst.2.8(s).2026.467","title":"Determinants of Islamic Fintech Adoption among Young Consumers in Pakistan: The Moderating Role of Shariah Compliance Awareness","display_name":"Determinants of Islamic Fintech Adoption among Young Consumers in Pakistan: The Moderating Role of Shariah Compliance Awareness","publication_year":2026,"publication_date":"2026-08-23","ids":{"openalex":"https://openalex.org/W7204028176","doi":"https://doi.org/10.71317/jgst.2.8(s).2026.467"},"language":"en","primary_location":{"id":"doi:10.71317/jgst.2.8(s).2026.467","doi":"https://doi.org/10.71317/jgst.2.8(s).2026.467","is_oa":true,"landing_page_url":"https://doi.org/10.71317/jgst.2.8(s).2026.467","pdf_url":"https://rjsaonline.org/index.php/JGST/article/download/467/655","source":{"id":"https://openalex.org/S7407062480","display_name":"Journal of Global Social Transformation","issn_l":"3106-7239","issn":["3106-7239","3106-7247"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Global Social Transformation","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://rjsaonline.org/index.php/JGST/article/download/467/655","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5144200129","display_name":"Khawaja Masood Raza","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Khawaja Masood Raza","raw_affiliation_strings":["Al-Kawthar University, Karachi"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Al-Kawthar University, Karachi","institution_ids":[]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5035163574","display_name":"Imran Abdul Aziz","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210150297","display_name":"Institute of Business Management","ror":"https://ror.org/048w4c951","country_code":"PK","type":"education","lineage":["https://openalex.org/I4210150297"]}],"countries":["PK"],"is_corresponding":false,"raw_author_name":"Imran Abdul Aziz","raw_affiliation_strings":["Visiting Faculty, KSBL/IoBM"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Visiting Faculty, KSBL/IoBM","institution_ids":["https://openalex.org/I4210150297"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5044748515","display_name":"Salman Sarwat","orcid":"https://orcid.org/0000-0002-6478-0224","observed_orcids":["https://orcid.org/0000-0002-6478-0224"]},"institutions":[{"id":"https://openalex.org/I4405262999","display_name":"Benazir Bhutto Shaheed University Lyari","ror":"https://ror.org/014kd0k59","country_code":"PK","type":"education","lineage":["https://openalex.org/I4405262999"]}],"countries":["PK"],"is_corresponding":false,"raw_author_name":"Salman Sarwat","raw_affiliation_strings":["Benazir Bhutto Shaheed University, Lyari, Karachi"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Benazir Bhutto Shaheed University, Lyari, Karachi","institution_ids":["https://openalex.org/I4405262999"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5136675206","display_name":"Hiba Syed","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I193670377","display_name":"University of Karachi","ror":"https://ror.org/05bbbc791","country_code":"PK","type":"education","lineage":["https://openalex.org/I193670377"]}],"countries":["PK"],"is_corresponding":false,"raw_author_name":"Hiba Syed","raw_affiliation_strings":["University of Karachi"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University of Karachi","institution_ids":["https://openalex.org/I193670377"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5012377126","display_name":"Kaleem Mustafa","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I17120543","display_name":"National University of Modern Languages","ror":"https://ror.org/008dh2426","country_code":"PK","type":"education","lineage":["https://openalex.org/I17120543"]}],"countries":["PK"],"is_corresponding":false,"raw_author_name":"Kaleem Mustafa","raw_affiliation_strings":["NUML University, Karachi Campus"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"NUML University, Karachi Campus","institution_ids":["https://openalex.org/I17120543"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":4,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"2","issue":"8.1","first_page":"226","last_page":"242"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11365","display_name":"Islamic Finance and Banking Studies","score":0.9526000022888184,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11365","display_name":"Islamic Finance and Banking Studies","score":0.9526000022888184,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.04010000079870224,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.004800000227987766,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/young-consumers","display_name":"young consumers","score":0.7990000247955322},{"id":"https://openalex.org/keywords/technology-acceptance","display_name":"technology acceptance","score":0.6320000290870667},{"id":"https://openalex.org/keywords/risk-perception","display_name":"risk perception","score":0.7850000262260437},{"id":"https://openalex.org/keywords/social-influence","display_name":"social influence","score":0.6240000128746033},{"id":"https://openalex.org/keywords/effort-expectancy","display_name":"effort expectancy","score":0.5799999833106995},{"id":"https://openalex.org/keywords/performance-expectancy","display_name":"performance expectancy","score":0.8180000185966492},{"id":"https://openalex.org/keywords/moderating-effect","display_name":"moderating effect","score":0.5220000147819519},{"id":"https://openalex.org/keywords/pakistan","display_name":"Pakistan","score":0.7699999809265137}],"concepts":[{"id":"https://openalex.org/C2780233690","wikidata":"https://www.wikidata.org/wiki/Q535347","display_name":"Transparency (behavior)","level":2,"score":0.6328999996185303},{"id":"https://openalex.org/C188353592","wikidata":"https://www.wikidata.org/wiki/Q450586","display_name":"Expectancy theory","level":2,"score":0.5879999995231628},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5831000208854675},{"id":"https://openalex.org/C2781460075","wikidata":"https://www.wikidata.org/wiki/Q1399332","display_name":"Compliance (psychology)","level":2,"score":0.5532000064849854},{"id":"https://openalex.org/C4445939","wikidata":"https://www.wikidata.org/wiki/Q432","display_name":"Islam","level":2,"score":0.48559999465942383},{"id":"https://openalex.org/C131158328","wikidata":"https://www.wikidata.org/wiki/Q1307337","display_name":"Social influence","level":2,"score":0.4544000029563904},{"id":"https://openalex.org/C93225998","wikidata":"https://www.wikidata.org/wiki/Q1941972","display_name":"Moderation","level":2,"score":0.4440999925136566},{"id":"https://openalex.org/C163355716","wikidata":"https://www.wikidata.org/wiki/Q2154783","display_name":"Risk perception","level":3,"score":0.414900004863739},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.3889999985694885},{"id":"https://openalex.org/C2993103297","wikidata":"https://www.wikidata.org/wiki/Q301468","display_name":"Consumer awareness","level":2,"score":0.3702999949455261},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.34209999442100525},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.3319999873638153},{"id":"https://openalex.org/C2991718497","wikidata":"https://www.wikidata.org/wiki/Q457753","display_name":"Islamic finance","level":3,"score":0.3140999972820282},{"id":"https://openalex.org/C110875604","wikidata":"https://www.wikidata.org/wiki/Q75","display_name":"The Internet","level":2,"score":0.3021000027656555},{"id":"https://openalex.org/C2778136018","wikidata":"https://www.wikidata.org/wiki/Q10350689","display_name":"Predictive power","level":2,"score":0.28040000796318054},{"id":"https://openalex.org/C2776035688","wikidata":"https://www.wikidata.org/wiki/Q1606558","display_name":"Affect (linguistics)","level":2,"score":0.2732999920845032},{"id":"https://openalex.org/C198531522","wikidata":"https://www.wikidata.org/wiki/Q485146","display_name":"Sample (material)","level":2,"score":0.2635999917984009},{"id":"https://openalex.org/C71104824","wikidata":"https://www.wikidata.org/wiki/Q1476639","display_name":"Structural equation modeling","level":2,"score":0.2538999915122986},{"id":"https://openalex.org/C152877465","wikidata":"https://www.wikidata.org/wiki/Q208042","display_name":"Regression analysis","level":2,"score":0.25110000371932983}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.71317/jgst.2.8(s).2026.467","doi":"https://doi.org/10.71317/jgst.2.8(s).2026.467","is_oa":true,"landing_page_url":"https://doi.org/10.71317/jgst.2.8(s).2026.467","pdf_url":"https://rjsaonline.org/index.php/JGST/article/download/467/655","source":{"id":"https://openalex.org/S7407062480","display_name":"Journal of Global Social Transformation","issn_l":"3106-7239","issn":["3106-7239","3106-7247"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Global Social Transformation","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.71317/jgst.2.8(s).2026.467","doi":"https://doi.org/10.71317/jgst.2.8(s).2026.467","is_oa":true,"landing_page_url":"https://doi.org/10.71317/jgst.2.8(s).2026.467","pdf_url":"https://rjsaonline.org/index.php/JGST/article/download/467/655","source":{"id":"https://openalex.org/S7407062480","display_name":"Journal of Global Social Transformation","issn_l":"3106-7239","issn":["3106-7239","3106-7247"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Global Social Transformation","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7204028176.pdf","grobid_xml":"https://content.openalex.org/works/W7204028176.grobid-xml"},"referenced_works_count":12,"referenced_works":["https://openalex.org/W3028431654","https://openalex.org/W3134269582","https://openalex.org/W4285083185","https://openalex.org/W4378215761","https://openalex.org/W4394603280","https://openalex.org/W4395463183","https://openalex.org/W4396567236","https://openalex.org/W4400115027","https://openalex.org/W4400614307","https://openalex.org/W4409943206","https://openalex.org/W4414934447","https://openalex.org/W7117678875"],"related_works":["https://openalex.org/W7218438522","https://openalex.org/W4396567236","https://openalex.org/W7166579479","https://openalex.org/W4416933015","https://openalex.org/W3134269582","https://openalex.org/W7216535553","https://openalex.org/W7166504352","https://openalex.org/W7220997392","https://openalex.org/W7103200981","https://openalex.org/W7207523382"],"abstract_inverted_index":{"The":[0,28,107,128,135],"present":[1],"study,":[2],"based":[3],"on":[4,32,87],"integrative":[5],"technology":[6],"acceptance,":[7],"risk-trust":[8],"and":[9,46,69,72,104,124,132,146,154],"Shariah-signalling":[10],"theories,":[11],"explored":[12],"the":[13,16,42,50,61,91,99,116,119,139],"factors":[14,51,62],"influencing":[15,52],"intention":[17],"to":[18,40,138],"adopt":[19],"Islamic":[20],"finance":[21],"technologies":[22],"by":[23],"young":[24],"consumers":[25],"in":[26,60,76,126,150],"Pakistan.":[27],"study":[29],"was":[30,56,90],"conducted":[31],"462":[33],"respondents":[34],"using":[35],"data":[36],"collected":[37],"from":[38],"PLS-SEM":[39],"evaluate":[41],"direct,":[43],"mediating,":[44],"moderating":[45,98],"predictive":[47],"relationships.":[48],"Among":[49],"adoption":[53,95],"intention,":[54,96],"there":[55],"a":[57,73,84],"significant":[58,74],"increase":[59],"of":[63,94,101,109,122,142,148],"trust":[64,77,125,145],"(performance":[65],"expectancy,":[66],"effort":[67],"expectancy":[68],"social":[70],"influence)":[71],"decrease":[75],"(perceived":[78],"risk).":[79],"Perceived":[80],"Shariah":[81,105,112,123,149],"transparency":[82,121],"had":[83],"positive":[85],"influence":[86,100],"trust,":[88],"which":[89],"best":[92],"predictor":[93],"thereby":[97],"perceived":[102,120],"risk":[103],"transparency.":[106],"level":[108],"awareness":[110],"about":[111],"compliance":[113],"greatly":[114],"enhanced":[115],"correlation":[117],"between":[118],"Shariah.":[127],"model":[129],"also":[130],"explained":[131],"predicted":[133],"well.":[134],"results":[136],"pointed":[137],"combined":[140],"role":[141],"technological":[143],"advantages,":[144],"communication":[147],"an":[151],"open":[152],"way,":[153],"consumer":[155],"awareness.":[156]},"counts_by_year":[],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2026-08-24T00:00:00"}
