Purpose Prior studies in the context of electronic money have examined the effect of social pressure [subjective norm (SN)] on usage intention, but the results are found inconclusive. Individual factor is said to be one of the reasons. Therefore, this study aims to propose knowledge about riba (KR) as the individual factor that might explain the inconsistent previous findings. Design/methodology/approach A total of 253 responses are collected using online questionnaire. The data are examined by using structural equation modeling (SEM). The interaction moderation technique is used to investigate the moderating role of KR on intention to use e-money. Findings The results show that SN significantly influences customers’ perceived usefulness (PU), ease of use (PEU) and intention to use e-money (INT). PU is also proven as a direct predictor of INT. On the contrary, PEU does not significantly influence customer INT, providing support for the indirect effect of hypotheses between PEU–PU–INT. Furthermore, KR is found moderate in the link between PU and INT. Interestingly, the moderating effect of KR does not exist in the relationship from SN and PEU to INT. Research limitations/implications This study has a limitation in terms of the samples that are mainly dominated by students. Students’ perception might be different from practitioners’. Practical implications The results indicated that Indonesian customers are getting aware and knowledgeable about riba. It weakens the effect of PU on INT. SN as a social factor has also a strong effect on INT. As a practical implication, this paper suggests the government to develop and regulate a more Sharia-compliant business model for e-money. The public must be well informed and also well educated. The socialization and education must be included in any Muslim communities. In addition, given the fact that the chip-based e-money products in Indonesia are owned by conventional banks, it is going to be a wise idea if the government can partner up with the Islamic banks to design and develop the Sharia-compliant e-money. Originality/value This paper contributes to the electronic money and internet banking literature by considering Islamic principle factor, that is the rise of public KR. This paper show that inconclusive previous findings might be depended on the public KR.

This study aims to test consumer acceptance of mobile banking Islamic banks using the Technology Acceptance Model. The concept of mobile banking is used to examine the role of banking in facilitating mobile consumer financial transactions. Methodology: This study uses a survey with a sample of 179 users of mobile banking applications Islamic banks in Central Java and Yogyakarta. Data analysis used in this study is SEM with AMOS software assistance Findings: All hypotheses are supported. Based on the consumer's perspective, mobile banking is an opportunity for the Islamic finance industry. However, mobile banking will transform very quickly and brought new challenges in the era of industry 4.0. Originality: This study enrich the discussion in the literature by retesting the technology acceptance model (TAM) to explain the usage of mobile banking of Islamic bank.

The purpose of this study is to examine the framework of brand experience associating with customer loyalty. Sensory marketing effectiveness is recognized in business contexts but only little research has been conducted on sensory marketing. This study contribute to filling this gap by proposing a model that explains how sensory stimulation influences loyalty. Brand experience is expected to mediate this relationship. This study applies exploratory and explanatory approaches to investigate the sensory marketing concept and examine the framework brand experience in association with customer loyalty. Data is collected using online survey. Respondents are individual who had experience in consuming product at restaurant or cafe that has been using the five senses stimulus. Conceptually, this study found interesting relationship between sensory marketing, brand experience, and customer loyalty then called as triangle sensory marketing. The findings offer an additional insight to managers on sensory marketing strategy to stimulate brand experience that can establish customer loyalty. AbstrakTujuan dari penelitian ini adalah untuk menguji kerangka pengalaman merek yang terkait dengan loyalitas pelanggan. Efektivitas Sensory Marketing diakui dalam konteks bisnis namun hanya sedikit penelitian yang dilakukan pada S. Studi ini berkontribusi untuk mengisi celah ini dengan mengajukan model yang menjelaskan bagaimana stimulasi sensorik mempengaruhi loyalitas. Pengalaman merek diharapkan bisa menengahi hubungan ini. Penelitian ini menggunakan pendekatan eksploratori dan penjelasan untuk menyelidiki konsep pemasaran indrawi dan menguji pengalaman merek kerangka kerja yang terkait dengan loyalitas pelanggan. Data dikumpulkan dengan menggunakan survei online. Responden adalah individu yang memiliki pengalaman dalam mengkonsumsi produk di restoran atau kafe yang telah menggunakan lima indera rangsangan. Secara konseptual, penelitian ini menemukan hubungan yang menarik antara pemasaran sensoris, pengalaman merek, dan loyalitas pelanggan yang kemudian disebut sebagai pemasaran sensoris segitiga. Temuan ini menawarkan wawasan tambahan kepada para manajer mengenai strategi pemasaran indrawi untuk merangsang pengalaman merek yang dapat membangun loyalitas pelanggan.

Purpose -This research aims to examine the driving factors for the adoption of digital banking of Islamic banks during the COVID-19 pandemic, to explore the development of specific UTAUT2 model for Islamic financial technology, and to investigate factors that need to be improved in digital banking services of Islamic banks based on customer perspectives.Originality -In addition to testing and modifying the UTAUT2 model during the COVID-19 pandemic, this study also explores the possibility of new variables arising from customers' perception, where the data will be used to submit new variables/models that are more specific to the acceptance of Islamic financial technology. Furthermore, this study also aims to explore several obstacles in the digital banking service of Islamic banking technology.

This study aims to examine the factors that affect level of skepticism of Islamic bank customers where researchers try to see the paradigm of thinking and consumer attitude using the perspective of Theory of Reason Action (TRA)from Ajzen and Fishbein (1980). The survey was conducted on 597 Islamic bank customers using a Google form distributed online. All hypotheses proposed in this study are supported. These results show that in the context of Islamic banking in Indonesia, researchers find that the level of skepticism will decrease as customers better understand the information received and evaluate information according to their needs and according to their expectations. Researchers try to contribute both practically and theoretically.First, practically this research provides important information for practitioners that customers still have a skeptical attitude towards sharia claims from Islamic banking. Finally, theoretically this study contributes to the literature by testing the skepticism of Islamic banking customers which is still a research gap in marketing research and consumer behavior in general and the research of sharia banking in particular.