http://journals.smartinsight.id/index.php/IFT <p>Islamic Finance and Technology (IFT) is a scientific publication published by SMART Insight which is under the research institute SMART Indonesia. Sharia Economic Applied Research and Training (SMART) is a research institution in Indonesia that focuses on research on Islamic economics and finance. Islamic Finance and Technology is published two (2) times in 1 year.</p> en-US [email protected] (Smart Insight) [email protected] (Hasna Luthfi Khairunnisa) Tue, 10 Feb 2026 13:45:29 +0000 OJS 3.3.0.8 http://blogs.law.harvard.edu/tech/rss 60 http://journals.smartinsight.id/index.php/IFT/article/view/732 <p>The development of digital technology has driven fundamental changes in the financial services industry through the emergence of financial technology (fintech). The book Fintech: Digital Banking Financial Technology by Budi Raharjo comprehensively discusses banking transformation due to technological innovation, ranging from digital payment systems, peer-to-peer lending, crowdfunding, to blockchain and cryptocurrencies. This article aims to summarize the main ideas of the book in an academic framework by highlighting the concept of fintech, the dynamics of the relationship between banks and fintech companies, the socio-economic impact in developing countries, and the future direction of the digital finance industry. The results of the study show that fintech is not only a challenge for conventional banking, but also a strategic opportunity through collaboration and continuous innovation.</p> Hilmi Abdul Sulthan Copyright (c) 2026 Islamic Finance and Technology http://journals.smartinsight.id/index.php/IFT/article/view/732 Tue, 10 Feb 2026 00:00:00 +0000 http://journals.smartinsight.id/index.php/IFT/article/view/731 <p>The diffusion of innovation generally involves a variety of different sources of communication, such as mass media, advertising, promotion, counseling, or informal social contact. The effectiveness of these sources will vary at each stage and have different functions. This research analyzes the influence of e-WOM on the purchase decisions of the halal food product Mie Gacoan on ShopeeFood. This study uses a quantitative approach with primary data as the data source. The data for this study was collected through a questionnaire distributed to the community in Bogor City, specifically Generation Z. This study uses the SEM-PLS method with SmartPLS software. The researcher found that the intensity variable does not significantly influence the purchase decision of Mie Gacoan on ShopeeFood. Furthermore, the variables of opinion valence and content positively and significantly influence the purchase decision of Mie Gacoan on ShopeeFood.</p> Ledi Maisiliska, Indra Copyright (c) 2026 Islamic Finance and Technology http://journals.smartinsight.id/index.php/IFT/article/view/731 Tue, 10 Feb 2026 00:00:00 +0000