Determinants of intention to use Islamic mobile banking: Evidence from millennial generation

Kholid, Muamar Nur

doi:10.20885/jeki.vol5.iss2.art2

Cited by 19 publications

(30 citation statements)

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“…From these results, it can be said that the people closest to the customer environment also influence the intention of Islamic and conventional bank customers to use IB. However, the result is not in line with the research conducted by Kholid (2019), which found that social factors or the influence of the closest people do not affect the intention of millennial customers in using digital banks.…”

Section: Discussioncontrasting

confidence: 91%

The Effect of Covid-19 Pandemic on the Adoption of Internet Banking in Indonesia: Islamic Bank and Conventional Bank

Sudarsono¹,

Nugrohowati²,

Tumewang³

2020

JAFEB

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This study aims to examine the effect of perceived usefulness (PU), perceived ease of use (PEU), trust (TR), subjective norm (SN), and attitude (AT) on customer's Intention to Adopt Internet Banking (IAIB) at Islamic banks and conventional banks before and during the Covid-19 pandemic in Indonesia. The research model is based on the Theory of Planned Behavior (TPB) and the Technology Acceptance Model (TAM). This study involves 213 respondents for Islamic banks and 410 respondents for conventional banks from 25 provinces in Indonesia. Data was analyzed using partial least square (PLS) regression with the Structural Equation Model (SEM) method. The result of data analysis confirms several hypotheses taken from the literature. The results before the Covid-19 pandemic showed that AT and SN influence IAIB in Islamic banks. Whereas in conventional banks, AT, PU, SN, and TR influence IAIB. While during the Covid-19 pandemic, it shows that the AT, PU, IB, SN, and customer TR influence IAIB in Islamic banks and conventional banks. From the analysis, it was found that the PEU variable did not have a significant effect on the intention of customers of Islamic banks and conventional banks to use Internet banking.

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Section: Discussioncontrasting

confidence: 91%

The Effect of Covid-19 Pandemic on the Adoption of Internet Banking in Indonesia: Islamic Bank and Conventional Bank

Sudarsono¹,

Nugrohowati²,

Tumewang³

2020

JAFEB

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“…Evidence from the Iran Islamic Bank showed that perceived ease of use is a significant factor for the bank to adopt mobile banking to improve customer satisfaction (Hanafizadeh et al, 2014). In the context of Islamic bank in Indonesia, Kholid (2019) revealed that effort expectancy, which consists of four indicators including fair, easy to learn, understandable and easy to master, has significant and positive effect on the customer intention to use Islamic mobile banking. Additionally, in the context of Islamic bank, for customers it is made easy by features of Islamic mobile banking, namely, zakah, infaq, shadaqah, qurban, umrah, and hajj features that differentiate the Islamic product from conventional banks.…”

Section: Security Dimensionmentioning

confidence: 99%

Mobile banking services quality and its impact on customer satisfaction of Indonesian Islamic banks

Fianto

Rahmawati

Supriani

2021

JEKI

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Purpose -This study investigates the influential factors of mobile banking service quality dimension (enjoyment, security, ease, design, and application system) of Indonesian Islamic banks toward customer satisfaction.Methodology -This study uses 100 respondents who are Islamic mobile banking users in Indonesia and applies the Partial Least Square for Structural Equation Modeling (PLS-SEM) approach.Findings -This study reveals that the enjoyment, security, design, and application system of Islamic mobile banks significantly impact customer satisfaction. This study suggests that Islamic banks should pay more attention to increasing their mobile banking application systems, which is the most crucial factor influencing customer satisfaction.Research limitations -This study is limited to the sample of five top Islamic banks' customers in Indonesia with 100 respondents. Thus, the result of this study cannot be generalized to other countries. Practical implications -The findings offer valuable insights intoIslamic banks about improving their mobile banking services' quality to gain more satisfied customers, which benefited their financial and non-financial performances.Originality -This study specifically involved users of Islamic mobile banking from five Islamic banks, received the Top Brand Award in 2019. Therefore, this study provides significant guidelines for the rest of the Islamic banks in Indonesia to improve their customer satisfaction using mobile banking by referring to the Top 5 Brand Award.

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“…If the MSMEs business owner believes that using a mobile accounting app will provide many benefits to produce financial statements faster, then the MSMEs owners will have a higher intention to adopt the mobile accounting app. Several studies found a positive effect on performance expectancy on the intention to adopt information technology (Evon, 2016;Kholid, 2019). The second hypothesis of this research is: H2: MSME owners with better performance expectancy will have a higher intention to adopt mobile accounting app…”

Section: Introductionmentioning

confidence: 88%

“…But once the addition of features is not enough, the mobile accounting app provider must also be able to communicate the advantages of the features it possesses while delivering the benefits gained when MSMEs use the mobile accounting app (Kholid, 2019). These advantages, such as the mobile accounting app, provide easy and quick access in producing financial reports, the ability to improve work productivity, take notes wherever and whenever easily, and so forth.…”

Section: Performance Expectancymentioning

confidence: 99%

“…For example, smartphones can be easily lost than computers because smartphones are easier to move than computers and data input on small screens is far more risky than using input computer keyboard (Evon, 2016). With regard to perceived risk, there have been many studies that have tried to add perceived risk to UTAUT such as Cao & Niu, (2019); Cruz, Neto, Munoz-Gallego, & Laukkanen, (2010); Evon, (2016); Kholid, (2019). Meanwhile, the perceived trust was added bearing in mind that MSMEs must make financial reports according to financial accounting standards.…”

Section: Introductionmentioning

confidence: 99%

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Determinants of Mobile Accounting App Adoption by Micro, Small, and Medium Enterprise in Indonesia

Kholid

Alvian²,

Tumewang³

2020

jasf

Self Cite

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This study figured out the factors that influence Micro, Small, and Medium Enterprises (MSMEs) in Indonesia to adopt a mobile accounting application as a tool to record business transactions and to prepare financial reports. This research applies the Unified Theory of Acceptance and Use of Technology (UTAUT) with two additional variables, namely perceived risk and perceived trust. Using a combination of purposive, convenience, and snowball sampling techniques, this study distributed questionnaires to MSME owners in Indonesia who know the mobile accounting app. Following that, this study uses the Partial Least Square- Structural Equation Model (PLS-SEM) to analyze the data obtained and to confirm the significance of the causality relationship. Effort expectancy, performance expectancy, social influence, and perceived trust have a significant positive effect on the intention to adopt a mobile accounting app. The study provides knowledge of the factors that influence MSME owners' intentions to choose a mobile accounting app which might help app providers to develop strategies to meet the expectation of MSME owners. This study merely examines the intention to adopt a mobile accounting app, hence further study could examine the user's intention to continue using the mobile accounting app, by using the longitudinal data collection.

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Determinants of intention to use Islamic mobile banking: Evidence from millennial generation

Cited by 19 publications

References 0 publications

The Effect of Covid-19 Pandemic on the Adoption of Internet Banking in Indonesia: Islamic Bank and Conventional Bank

The Effect of Covid-19 Pandemic on the Adoption of Internet Banking in Indonesia: Islamic Bank and Conventional Bank

Mobile banking services quality and its impact on customer satisfaction of Indonesian Islamic banks

Determinants of Mobile Accounting App Adoption by Micro, Small, and Medium Enterprise in Indonesia

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