User Satisfaction in AI-Driven Islamic Fintech: An Extended Technology Acceptance Model with Task–Technology Fit and Sharia Compliance

The rapid development of digital financial services has transformed financial intermediation through improved access, transparency, and efficiency. In the Indonesian context, Islamic financial technology (fintech) offers an alternative aligned with Sharia principles, particularly through e-ijarah contracts that provide MSMEs with productive asset access without interest-bearing debt. This study aims to empirically evaluate the determinants of user satisfaction in adopting AI-based e-ijarah applications by extending the Technology Acceptance Model (TAM) with Task–Technology Fit (TTF), Sharia Compliance (SC), Trust in AI, and Perceived Risk (PR). A survey of 75 food and beverage MSMEs in East Java was analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings indicate that Perceived Ease of Use (PEOU) strongly influences Perceived Usefulness (PU), which in turn significantly affects Behavioral Intention (BI), Actual Use (AU), and User Satisfaction (EUCS). Trust in AI and TTF also play significant roles in enhancing PU and BI. Interestingly, SC shows a significant but negative effect on PU, highlighting a contextual gap between digital automation and perceptions of religious compliance. PR negatively impacts both BI and AU, while Age does not moderate usage behavior. The study contributes conceptually by integrating TAM, TTF, and Sharia compliance in a single framework, and practically by offering insights for fintech developers and regulators to improve system usability, trust, and compliance clarity.