The impact of entrepreneurial orientation and Islamic Fintech Leadership on sustainable entrepreneurship values in Malaysian Fintech: The moderating role of technology adoption

Examining sustainable entrepreneurship values is important because it provides the researcher with a set of frameworks to better understand how the efforts of enterprise fit with those of others and allows to advance measures of social return from economic, environmental, and other relative performance such as safety net and pro-poor markets like the Bottom 40. Overall, the Fintech industry has borne the costs of downturns and is confronted with a number of challenges in addition to the goal of providing values through financial technology services. Fintech organisations also face many critical roles in sustaining their growth. The concept of meeting social financial inclusion invites Islamic Fintech to reconsider the difficulties in achieving social objectives, particularly the essential requirements that should be provided to the world’s impoverished, and this is central to sustainable entrepreneurship values. The primary objectives of this study are to examine the impact of entrepreneurial orientation (EO) and Islamic Fintech leadership (IFL) on sustainable entrepreneurship values (SEV) among Malaysian Fintech. The moderating effects of technology adoption (TA) among those relationships were also investigated. The research adapted and adopted established instruments from the literature, as well as self-developed instruments based on the literature due to limited past studies in the area. The analysis described the phenomenal event that happened and the relationship between important variables using descriptive-correlational research design in a cross-sectional setting. Partial Least Square Structural Equation Modelling (PLS-SEM 4.0.9.2) was used for data analysis. The review analysis yielded a proposed research framework underlying several theories utilised in the literature that fit their purpose and analysis, including the extended Technology Acceptance Model (eTAM) and Resource-Based Theory (RBT). Results indicated that designing an effective sustainable entrepreneurship value has ramifications from the viewpoints of the environment, socio-economy, and the Bottom 40 values. The findings of predictor variables’ impact on SEV have a positive outcome. The results showed that EO and IFL have a positive and significant relationship with SEV, while TA does moderate the relationship between EO and SEV. However, the outcome does not support the role of TA in moderating the relationship between IFL and SEV. Therefore, the terms of application, Fintech’s, policymakers, and other authorities involved in the context of Fintech solutions benefit greatly from the study. The social implications highlight the extent to which the SEV shapes the functions of EO, IFL, and TA, where these organisations are lauded for their services to solve financial inclusion issues and offer sustainable solutions to microenterprises and fringe borrowers from the informal sector. Thus, the SEV model explains the impact and returns solution for socio-economy, environmental, and B40 values by creating a game changer for Islamic digital transformation that enables MSMEs to gain access to faster socio-economic well-being and financial health of MSMEs’ business needs.