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Factors Influencing Choice of Islamic Digital Banking: Opportunity or Challenge for the Islamic Finance Industry? Riza, Alex Fahrur; Khoiruddin, Akhmad Yusuf; Ibrahim, Muhammad Hanif
Journal of Islamic Economy and Community Engagement Vol. 3 No. 1 (2022)
Publisher : FEBI UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jiecem.2022.3.1.1865

Purpose - This study aims to test the TAM model to determine people's perceptions of digital banking. Although empirical research has been conducted on the introduction of digital banking, this is still minimal in the Islamic banking context, as the use of digital banking in Islamic banks is still new.Design/methodology –This study is descriptive and quantitative using survey methods to measure an individual's perception of digital banking in Islamic banks. The survey contains closed and open-ended questions to measure the perception of mobile banking users based on the Technology Acceptance Model (TAM). This survey uses a voluntary survey of respondents scattered across different cities in Indonesia. Data analysis uses SEMPLS 7.0 and SPSS23.Findings -Originality - In addition to testing the TAM digital banking model of the original Islamic bank, this study also examines the potential for new variables that emerge from customer perceptions and uses the data to create new unique to Shariah's recruitment-based banks. We propose variables / models according to the technology. We will also consider obstacles to the introduction of digital banking by Islamic banks.

Adopsi Payment Gateaway Syariah: Peran Pengetahuan Riba Sebagai Moderasi Saputra, Beni; Riza, Alex Fahrur
Journal of Business Management and Islamic Banking Vol. 2 No. 1 (2023)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.2023.021-01

ABSTRACT Research Aims: This research aims to determine the adoption of Sharia Fintech services in the field of payment gateways using the UTAUT model with modifications to add knowledge of riba as a moderation variable. Design/methodology/approach: This research used an online survey method. The population this research are all users of Sharia payment gateway services. The sampling using the purposive sampling method with a total sample of 116 respondents. The analysis technique used is SEM-PLS using Smart PLS 3.3.3 software. Research Findings: The results of this research presented that Social Influence and Facilitating Condition have an effect in determining interest in using Sharia payment gateway services. Performance expectancy and effort expectancy have no effect on the interest in using Sharia payment gateway services. Meanwhile, in this research only in Effort Expectancy moderated by Knowledge About Riba.

Analisis Minat Berinfak Menggunakan QRIS: Studi Empiris Jamaah Masjid di D.I. Yogyakarta Kulsum, Ummi; Riza, Alex Fahrur
Velocity: Journal of Sharia Finance and Banking Vol 4 No 2 (2024): November 2024
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v4i2.9106

This study aims to examine QRIS as a payment tool for donations among mosque congregants in the Special Region of Yogyakarta. Utilizing a modified Technology Acceptance Model incorporating the variables of trust and perceived risk, the research population consists of mosque attendees in D.I. Yogyakarta who have previously donated using QRIS. A sample of 139 respondents was collected through both online and offline questionnaire distribution. The analysis technique employed is PLS-SEM. The findings indicate that perceived ease of use and trust positively influence attitudes toward using QRIS. Conversely, perceived usefulness does not significantly affect attitude toward using. Additionally, perceived ease of use positively impacts perceived usefulness, while perceived risk does not influence attitude toward using. However, perceived risk negatively affects trust. Notably, the attitude toward using QRIS positively correlates with intending to use it for donation purposes. The results suggest that attitude toward QRIS is the most significant contributor to the intention to use it. This study is expected to serve as a reference for Islamic banks and mosque management in fostering collaboration to educate congregants about QRIS, facilitating its adoption and enhancing interest in using QRIS as a payment method for donations.

Potensi QRIS M-banking Bank Syariah sebagai Teknologi Pembayaran untuk Mendukung Inklusi Keuangan Syariah di Indonesia Sodik, Fajar; Riza, Alex Fahrur
Jurnal Ikatan Sarjana Ekonomi Indonesia Vol 12 No 2 (2023): August
Publisher : Jurnal Ekonomi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52813/jei.v12i2.315

Penelitian ini bertujuan untuk menganalisis penerimaan aplikasi QRIS M-banking bank syariah sebagai teknologi pembayaran non-tunai dan faktor-faktor yang memengaruhi adopsi pengguna. Penelitian menggunakan pendekatan multimethod dan purposive sampling. Penelitian ini melibatkan 134 responden pada tahap pertama dan 249 responden pada tahap kedua dari berbagai kota di Indonesia. Analisis data dilakukan dengan menggunakan SEM-PLS. Hasil penelitian menunjukkan bahwa 6 dari 10 hipotesis yang diajukan didukung dan terdapat 14 faktor utama yang mendorong nasabah menggunakan layanan QRIS M-banking bank syariah. Hasil dari penelitian ini dapat digunakan oleh industri QRIS M-banking bank syariah untuk meningkatkan kualitas layanannya dan memenuhi kebutuhan nasabah dalam ranah financial technology yang sesuai syariah.

Examining the Model for Enhancing E-Loyalty in Digital Banks Mahfuzh, Muhammad Ady; Setyono, Joko; Riza, Alex Fahrur
Signifikan: Jurnal Ilmu Ekonomi Vol 14, No 1 (2025)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v14i1.44901

Research Originality: This research novelty lies in applying the Stimulus-Organism-Response (S-O-R) theory to measure e-loyalty among digital banking customers in Indonesia. This approach has not been widely explored in Indonesia's digital banks' context.Research Objectives: This research evaluates e-loyalty among digital banks' customers in Indonesia using the SOR theory's direct and indirect measurement methodologies.Research Methods: The sample consists of 130 participants drawn from customers of both Islamic and conventional digital banks in Indonesia. This research applies PLS-SEM through SmartPLS software for structural model analysis.Empirical Result: The results show that e-CRM, e-trust, and e-satisfaction directly enhance e-loyalty. E-CRM and e-trust also influence e-loyalty indirectly through e-satisfaction. Moreover, e-satisfaction mediates these relationships, highlighting its crucial role in strengthening customer loyalty in Islamic and conventional digital banks.Implications: Digital banks need to enhance e-CRM by improving application features and usability to maintain customer interaction. Additionally, e-trust is crucial to continuously strengthening security systems to reduce customer concerns. Moreover, services must consistently meet or even exceed customer expectations to achieve high satisfaction and foster customer loyalty.JEL Classification: G21, M31, D91How to Cite:Mahfuzh, M. A., Setyono, J., & Riza., A. F. (2025). Examining the Model for Enhancing E-Loyalty in Digital Banks. Signifikan: Jurnal Ilmu Ekonomi, 14(1), 247-264. https://doi.org/10.15408/sjie.v14i1.44901.

Examining the Model for Enhancing E-Loyalty in Digital Banks Mahfuzh, Muhammad Ady; Setyono, Joko; Riza, Alex Fahrur
Signifikan: Jurnal Ilmu Ekonomi Vol. 14 No. 1 (2025)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v14i1.44901

Research Originality: This research novelty lies in applying the Stimulus-Organism-Response (S-O-R) theory to measure e-loyalty among digital banking customers in Indonesia. This approach has not been widely explored in Indonesia's digital banks' context.Research Objectives: This research evaluates e-loyalty among digital banks' customers in Indonesia using the SOR theory's direct and indirect measurement methodologies.Research Methods: The sample consists of 130 participants drawn from customers of both Islamic and conventional digital banks in Indonesia. This research applies PLS-SEM through SmartPLS software for structural model analysis.Empirical Result: The results show that e-CRM, e-trust, and e-satisfaction directly enhance e-loyalty. E-CRM and e-trust also influence e-loyalty indirectly through e-satisfaction. Moreover, e-satisfaction mediates these relationships, highlighting its crucial role in strengthening customer loyalty in Islamic and conventional digital banks.Implications: Digital banks need to enhance e-CRM by improving application features and usability to maintain customer interaction. Additionally, e-trust is crucial to continuously strengthening security systems to reduce customer concerns. Moreover, services must consistently meet or even exceed customer expectations to achieve high satisfaction and foster customer loyalty.JEL Classification: G21, M31, D91How to Cite:Mahfuzh, M. A., Setyono, J., & Riza., A. F. (2025). Examining the Model for Enhancing E-Loyalty in Digital Banks. Signifikan: Jurnal Ilmu Ekonomi, 14(1), 247-264. https://doi.org/10.15408/sjie.v14i1.44901.

SKEPTISME NASABAH TERHADAP KLAIM SYARIAHDARI PERBANKAN SYARIAH DI INDONESIA Riza, Alex Fahrur
AL-QARDH Vol 2 No 2 (2017): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar

This study aims to examine the factors that affect level of skepticism of Islamic bank customers where researchers try to see the paradigm of thinking and consumer attitude using the perspective of Theory of Reason Action (TRA)from Ajzen and Fishbein (1980). The survey was conducted on 597 Islamic bank customers using a Google form distributed online. All hypotheses proposed in this study are supported. These results show that in the context of Islamic banking in Indonesia, researchers find that the level of skepticism will decrease as customers better understand the information received and evaluate information according to their needs and according to their expectations. Researchers try to contribute both practically and theoretically.First, practically this research provides important information for practitioners that customers still have a skeptical attitude towards sharia claims from Islamic banking. Finally, theoretically this study contributes to the literature by testing the skepticism of Islamic banking customers which is still a research gap in marketing research and consumer behavior in general and the research of sharia banking in particular.

Millennials Response on The Existence of The First Sharia Electronic Money in Indonesia Halimah, Imtyazul Hikmah; riza, Alex fahrur
AL-QARDH Vol 7 No 2 (2022): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar

The growth of technology this day makes it a necessity in daily human life such as electronic money. There are so many issuers that have been registered at Bank Indonesia. An issuer even tries to add Sharia features to its electronic money. Although the sharia label has become common in Indonesian society, there is still scepticism about sharia labels on some products. This study aims to determine the switching intention of millennials to use sharia electronic money in Indonesia using the UTAUT2 as a research model. The population in this study is all users of LinkAja electronic money. The sampling technique used purposive sampling; the number of samples was 168 users. Data analysis techniques used are Structural Equation Model and Partial Least Square (SEM-PLS), the data processing applications using Smart-PLS 3.0. The results of this study indicate that the two independent variables, social influence and facilitating conditions, do not affect the intention to switch. However, five other independent variables, performance expectancy, effort expectancy, hedonic motivation, price value, and habit, positively and significantly affect the intention to switch to using Sharia electronic money.

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