The Role of Trust in Technology, Facilitation Condition, Status Quo, and Brand Love with the Mediation of Religiosity in Shariah-Compliant P2P Lending with Continuance Behavior
https://doi.org/10.5281/zenodo.19373179
Abstract
Purpose: This study aims to examine the mediating role of religiosity in the relationship between trust in technology, facilitation conditions, status quo bias, brand love, and continuance behavior in the context of Shariah-compliant peer-to-peer (P2P) lending platforms.
Methodology: A quantitative research design was employed, utilizing a survey instrument adapted from validated scales. Data were collected from 585 users of Shariah-compliant P2P lending platforms in Indonesia. Hypotheses were tested using Pearson correlation analysis and Hayes' PROCESS macro (Model 4) with 5,000 bootstrap samples to assess direct and indirect effects.
Results: The findings reveal that all four antecedents, Trust in Technology, Facilitation Conditions, Status Quo Bias, and Brand Love, significantly and positively influence religiosity. Religiosity, in turn, demonstrates a strong positive effect on continuance behavior. Furthermore, religiosity significantly mediates the relationships between the independent variable and continuance behavior, as confirmed by bootstrap confidence intervals that excluded zero.
Originality: This study makes several original contributions to Islamic FinTech literature. First, it shifts the scholarly focus from initial adoption to continuance behavior, addressing a critical gap in existing research. Second, it positions religiosity as a central mediating mechanism, demonstrating how platform-specific perceptions translate into sustained engagement through religious motivation, a novel extension of technology continuance theory. Third, it integrates multiple theoretical perspectives, including status quo bias theory and relationship marketing theory, into a unified framework tailored to Shariah-compliant financial services. The findings provide actionable insights for platform managers and policymakers seeking to enhance user retention in the Islamic digital economy.
Conclusion: This study concludes that religiosity serves as the essential mechanism through which platform characteristics influence sustained user engagement. Shariah-compliant P2P platforms that successfully reinforce users' religious identity and commitment are better positioned to achieve long-term viability and sustainable growth.
