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All Journal LAN TABUR: JURNAL EKONOMI SYARIAH
Rusmini Creative
Universitas AL falah Asuuniyah Kencong Jember
Economics, Econometrics & Finance

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Enhancing Accountability through Artificial Intelligence: Evidence from Islamic and Conventional Banking Customers Rusmini Creative; Faried Kurnia Rahman; Umi Suswati Risnaeni
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 8 No. 1 (2026): September
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v8i1.184

Abstract

Artificial intelligence (AI) has significantly reshaped the banking industry and is increasingly important in influencing perceived accountability. Nevertheless, perceptions of accountability are not identical. Customers of Islamic banks are more likely to associate accountability with adherence to Sharia principles, ethical values, and fairness, whereas customers of conventional banks tend to focus more on system efficiency, reliability, and technological performance. This study analyses how AI-driven features affect accountability based on survey data. Furthermore, it also examines if Islamic banking customers affects perceived accountability.
Co-Authors Faried Kurnia Rahman Umi Suswati Risnaeni