Parsing religiosity and intention to use Islamic mobile banking in Indonesia

Although mobile banking is one of the online banking services that makes it easy for consumers to conduct financial transactions, research on Islamic mobile banking in developing countries with a Muslim majority is still relatively insignificant. Not all Muslim consumers are interested in or intend...

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Bibliographic Details
Published in:Banks and bank systems 2021, Vol.16 (4), p.34-44
Main Authors: Riptiono, Sulis, Noor Susanti, Dewi, Muliana Rhamdhani, Intan, Irma Anggraeni, Ade, Prasetyo, Anton
Format: Article
Language:English
Subjects:
attitude
Bank services
Consumers
Islamic bank
Islamic financing
mobile banking
Mobile commerce
Muslim consumer
Muslims
religiosity
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Summary:Although mobile banking is one of the online banking services that makes it easy for consumers to conduct financial transactions, research on Islamic mobile banking in developing countries with a Muslim majority is still relatively insignificant. Not all Muslim consumers are interested in or intend to use conventional mobile banking services. Therefore, the aim of this study is to integrate the TAM theory and the construct of religiosity to examine consumer intentions to use Islamic mobile banking services. Data were collected through a survey questionnaire of 482 Muslim consumers in Indonesia using convenience sampling techniques. The collected data were then analyzed using structural equation modeling (SEM-AMOS). The results of this study showed that perceived ease of use cannot influence the perceived usefulness and attitudes of variables towards Islamic mobile banking. While perceived usefulness has been proven to influence attitudes toward Islamic mobile banking and may be the largest contributor to increased intentions to use Islamic mobile banking. On the other hand, this study reveals that the influence of religiosity can positively and significantly foster consumer sensibility and intention to use Islamic mobile banking.
ISSN:1816-7403
1991-7074
DOI:10.21511/bbs.16(4).2021.04