The Role of Spirituality in the Behavior of Sharia Bank Mobile Banking: Evidence from Indonesia

Abstract

<p>The purpose of this research is to examine the behavior of sharia bank customers in using mobile banking (using a modified Technology Acceptance Model) with additional spiritual variables. The research population is about one hundred customers of sharia bank in Indonesia. The results of this study indicate that: (1) perceived ease has a positive effect on the attitude of using mobile banking through the use of perceptions, (2) the perception of benefits has a positive effect on the attitude of using mobile banking, (3) expediency has a positive effect on the behavioral interest in using mobile banking, (4) behavioral interest has a positive effect on mobile banking use, and (5) spiritual motivation has a positive effect on mobile banking use.</p>

The effect of perceived ease of use, perceived usefulness, and perceived benefits on interest in using Bank Syariah Indonesia mobile banking

“…Perceived Ease of Use and Attitudes toward use Puspita and Melin Chandra (2016) also found that perceived ease of use has a significant effect on attitudes towards internet banking adoption. This research is also supported by research conducted by Inayah (2018). Tjiniand Baridwan (2012) as well as research conducted by Juhri and Dewi (2017) and Allah Pitchay, Anwar Bin et al (2019) stated that the variable perceived ease of use has no effect on attitudes to use.…”

“…Mobile Banking is a digital banking service provided by banks with the aim that customers can carry out banking transactions using devices such as smartphones or tablets (Inayah, 2018). Research by Riswandi Budi Agus (2005) explains that mobile banking is a service innovation offered by banks that allows users to carry out banking transaction activities via smartphones.…”

Penerimaan dan Penggunaan Muzakki dalam Membayar Zakat Non-Tunai di Jawa Barat: Ekstensi Teori Technology of Acceptance Model

“…Kerangkan model dalam penelitian ini dibangun berdasarkan TAM yang diperkenalkan oleh Davis (1989) dengan didukung oleh penelitian terkait TAM lainnya. Pada kerangka model penelitian ini hanya menambahkan satu variable yakni motivasi spiritual berdasarkan penelitian yang dilakukan olehRahmawaty et al (2010),Inayah et al (2018), dan Sukmawati et al (2021. Oleh karena itu, kerangka model dalam penelitian ini digambarkan sebagai berikut:…”

Analisis Faktor-faktor yang Mempengaruhi Persepsi Wakif dalam Berwakaf melalui Platform Wakaf Hasanah

“…Dengan demikian, temuan tersebut sesuai dengan teori kominasi TAM dan TPB yang menyatakan bahwa pengaruh sikap terhadap perilaku dipengaruhi oleh persepsi kegunaan dan persepsi kemudahan penggunaannya. Berbagai hasil studi empiris sebelumnya untuk menguji hubungan antara persepsi kemudahan penggunaan dengan sikap menunjukkan bahwa konstruk persepsi kemudahan penggunaan memberikan pengaruh signifikan dan ositif terhadap sikap individu dalam menggunakan layanan teknologi (Inayah et al 2018;Siraye, 2014;dan Kazemi et al, 2013). Dengan demikian, temuan dalam penelitian ini menyatakan bahwa persepsi kemudahan penggunaan berpengaruh signifikan dan positif terhadap sikap mendukung teori kombinasi TAM-TPB maupun hasil penelitian-penelitian empiris sebelumnya.…”