影响投资决定的因素有哪些? 金融科技自我有效性的调节作用
Norhazimah Che Hassan1, Aisyah Abdul-Rahman2, Siti Ngayesah Ab Hamid3
1Ministry of Finance Malaysia, Putrajaya, Malaysia.
PloS one
|April 18, 2024
概括
主观的规范和态度是伊斯兰单位信托 (IUT) 投资意图的关键驱动力. 金融科技的自我效能 (FSE) 也会影响投资决策,调节态度和意图之间的联系.
科学领域:
- 伊斯兰金融是伊斯兰金融.
- 行为金融是行为金融.
- 投资行为 投资行为
背景情况:
- 了解投资者意图对于伊斯兰单位信托 (IUT) 市场增长至关重要.
- 金融科技的自我效能 (FSE) 是一个影响金融决策的新兴因素.
- 计划行为理论为分析投资意图提供了一个框架.
研究的目的:
- 确定马来西亚投资者中伊斯兰单位信托 (IUT) 投资意向的预测因素.
- 检查金融科技自我效能 (FSE) 对态度-意图关系的调节作用.
- 探讨态度对宗教信仰和伊斯兰金融素养的调解效应,涉及投资意图.
主要方法:
- 对马来西亚392名IUT投资者的定量分析.
- 使用了部分最小平方结构方程建模 (PLS-SEM).
- 数据收集的重点是主观规范,态度,宗教信仰,伊斯兰金融素养,FSE和投资意图.
主要成果:
- 主观规范对投资意图的影响最大.
- 态度和FSE是显著的预测因素,而宗教性没有显著的关联.
- 态度调解了宗教和伊斯兰金融素养与投资意图之间的关系.
- FSE显著调节了态度和投资意图之间的关系.
结论:
- 主观的规范和态度是IUT投资的主要驱动力.
- 提高客户的FSE对于IUT服务提供商来说至关重要,以改善营销策略.
- 调查结果提供了对投资者行为的见解,在计划行为理论框架内整合了财务素养,宗教信仰和FSE.
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