This study examines the antecedents/determinants of behavioral intentions toward the utilization of Islamic financial technology for Middle Eastern customers. The study applied structural equation modeling (PLS-SEM). After robust research efforts were invested in the identification of factors,...

Uncovering unobserved heterogeneity is a requirement to obtain valid results when using structural equation modeling (SEM). Conventional segmentation methods usually fail in an SEM context because they account for the indicator data, but not for the latent variables and their relationships in...