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All Journal Ecobankers : Journal of Economy and Banking
Kharisma Brindawati
Universitas Negeri Jakarta
Economics, Econometrics & Finance

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Pengaruh Pengaruh Sharia Financial Literacy dan Sharia Compliance Practices terhadap Adopsi Mobile Banking Syariah melalui Attitude Toward Usage sebagai Variabel Intervening Kharisma Brindawati; Erika Takidah; Santi Susanti
Ecobankers : Journal of Economy and Banking Vol. 7 No. 2 (2026): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v7i2.4587

Abstract

The study aims to determine the influence of sharia financial literacy and sharia compliance practices on the adoption of Islamic mobile banking with attitude toward usage as an intervening variable. This study uses a quantitative approach with primary data collected through questionnaires. The population in this study consists of active university students in the Special Capital Region of Jakarta, with a sample of 348 respondents selected using simple random sampling. Data were analyzed using Structural Equation Modeling-Partial Least Square (SEM-PLS) with SmartPLS software. The research results show that sharia financial literacy, sharia compliance practices, and attitude toward usage have a positive and significant effect on the adoption of Islamic mobile banking. In addition, sharia financial literacy and sharia compliance practices also have a positive and significant effect on attitude toward usage. The indirect effect analysis further reveals that attitude toward usage mediates the relationship between sharia financial literacy and sharia compliance practices and the adoption of Islamic mobile banking. These findings are expected to serve as a reference for improving sharia financial literacy and strengthening sharia compliance, as both factors have been proven to foster positive attitudes that ultimately encourage the adoption of Islamic mobile banking especially among university students
Co-Authors Erika Takidah Santi Susanti