Examining Factors Affecting The Acceptance of Islamic Mobile Banking Services in Indonesia: Insight Into Technology, Customer Behaviour, and Shari'ah Compliance

Abdurrahman, Abdurrahman and Mohamad, Anton Athaillah and Yadi, Janwari and Asti, Meiza (2025) Examining Factors Affecting The Acceptance of Islamic Mobile Banking Services in Indonesia: Insight Into Technology, Customer Behaviour, and Shari'ah Compliance. ISRA IJIFSD, 17 (1). pp. 4-28. ISSN 3030-6442

Preview

Text IJIFSD Maret 2025.pdf Download (706kB) | Preview

Abstract

Purpose-This study examines the main factors influencing the adoption of Islamic mobile banking (IMB) services in Indonesia, considering technology, customer behaviour, and Sharīʿah compliance. The integration of these factors in IMB adoption research remains notably limited. This research provides a comprehensive framework by integrating the Technology Acceptance Model (TAM) with the Theory of Planned Behaviour (TPB) and additionally incorporating Sharīʿah compliance. Design/Methodology/Approach-The study utilises survey data collected from 1,161 IMB users in Indonesia. It uses the Partial Least Squares-Structural Equation Modeling (PLS-SEM) technique to examine the impact of antecedents on the intention to adopt IMB. Findings-The results indicate that perceived usefulness (PU) and perceived ease of use (PEOU), as well as other pertinent behavioural factors such as attitude, subjective norms, and Sharīʿah compliance, positively and significantly influence the adoption of IMB services in Indonesia. However, the construct of perceived behavioural control (PBC) has not been found to impact customer satisfaction. Originality/Value-This study contributes by integrating diverse theories to offer insights into the nature of technology adoption, specifically focusing on IMB. Research Limitations/Implications-This study offers theoretical implications by introducing new insights into IMB adoption through the integration of technology, customer behaviour, and Sharīʿah compliance dimensions. Future studies can further build upon this research by incorporating additional dimensions. Practical Implications-From a managerial standpoint, the study provides guidance for Islamic banks in developing IMB products, emphasising not only technological aspects but also focusing on customer behaviour and Sharīʿah compliance. Socially, the research highlights that IMB services are designed to uphold Sharīʿah principles, ensuring that customers' rights to receive services that align with their religious values are respected.

Actions (login required)

View Item