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All Journal Jurnal Bisnis dan Manajemen Journal of Business & Banking Journal of Economic, Bussines and Accounting (COSTING) EKONOMIS : Journal of Economics and Business Jurnal Pendidikan Akuntansi dan Keuangan Jurnal Doktor Manajemen (JDM) Al-Kharaj: Journal of Islamic Economic and Business Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences JCA (Jurnal Cendekia Akuntansi) Social Science Studies Portofolio: Jurnal Ekonomi, Bisnis, Manajemen dan Akuntansi Journal of Islamic Economics and Business International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) IIJSE Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Asian Journal of Environmental Research Journal of Scientific Insights International Journal of Economics, Accounting, and Management Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Berbakti
Ifan Wicaksana Siregar
Universitas Jenderal Achmad Yani
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Medicine & Pharmacology Public Health Social Sciences Other

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Integration of UTAUT2 and Information System Success Model: The Role of User Satisfaction and Financial Literacy Moderation in the Use of Digital Financial Services in Indonesia Siregar, Ifan Wicaksana; Munir; Sobandi, Ade; Furqon, Chairul
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.9020

Abstract

The rapid development of digital financial services has driven the high adoption rate of financial applications in Indonesia. However, the increase in use is not always accompanied by an adequate level of financial literacy, raising questions about the main determinants of digital financial system usage behavior. This study aims to test the expanded technology acceptance model by integrating the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) and information system success model, as well as evaluating the role of user satisfaction and financial literacy in driving the actual use of digital financial services. This study uses a quantitative approach with a cross-sectional design. Data was collected through a survey of active users of digital financial services in Indonesia and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The research model examines the influence of UTAUT2 constructs on behavioral intention, the continued relationship between behavioral intention, user satisfaction, and system use, and the role of financial literacy moderation in the relationship between intention and system use. The results of the analysis show that behavioral intention has a significant effect on user satisfaction and system use. Furthermore, user satisfaction has proven to be the most powerful determinant of the actual use of the system, beyond the direct influence of behavioral intention. In contrast, financial literacy has not been shown to moderate the relationship between behavioral intention and system use, suggesting that ease of use and user experience have a more dominant role than formal financial literacy levels in the context of modern digital financial services. The research model has a high ability to explain the variation in user satisfaction and system usage. This research contributes to the development of the technology adoption literature by integrating pre-adoption and post-adoption perspectives in one comprehensive conceptual framework. In practical terms, these findings emphasize the importance of improving the quality of experience and user satisfaction as the main strategy to encourage the sustainability of the use of digital financial services in Indonesia.
Komparasi Kinerja Keuangan Menggunakan Metode Camel pada Bank Konvensional dan Bank Digital Tahun 2021-2024 Selama Masa Pandemi dan Transisi Pandemi Covid-19 Fidela Rizki Ananda; Ifan Wicaksana Siregar
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 10 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i10.9708

Abstract

This study aims to compare the financial performance of conventional and digital banks in Indonesia during the 2021–2024 period, covering the Covid-19 pandemic and the post-pandemic transition. The analysis method used is CAMEL (Capital, Asset Quality, Management, Earnings, and Liquidity) with indicators including Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Net Profit Margin (NPM), Return on Assets (ROA), Operating Expenses to Operating Income (BOPO), and Financing to Deposit Ratio (FDR). This research employs a quantitative approach with a descriptive comparative method involving six sample banks, consisting of three conventional banks and three digital banks listed on the Indonesia Stock Exchange. The data used are annual financial reports published during the research period. The findings indicate significant differences in several financial ratios, particularly CAR and NPL, between conventional and digital banks. In general, digital banks have higher capital ratios and lower NPLs, while conventional banks show more stable performance in profitability and operational efficiency ratios. These results can serve as a reference for banks and stakeholders in formulating post-pandemic business strategies.
Co-Authors Ade Sobandi, Ade Adella Syabrinawati Putri Ali Rahman Reza Zaputra Chairul Furqon, Chairul Devie Amelia Dwi Indah Lestari Eka Yulianti Eka Yulianti Esi Fitriani Komara Fidela Rizki Ananda Harsono, Khaerunisa Hartikayanti , Heni Nurani Helga Firlangga Indriyani, Maylani Putri Kamelia Wardatul Azdra Khairunnisa, Adinda Fiona Lestari, Dwi Indah Muhammad Anggionaldi Muhammad Rizki Jayasasmita Munir Novi Hadzida Novi Susyani R.Budi Hendaris Rahmah , Nunung Aini Rahmah, Nunung Aini Rakhmat Siraz Rendi Kusuma Natita Sofia Windiarti Suci Pratiwi, Indah Susyani, Novi Usman, Haffidz Vicky Dzaky Cahaya Vicky Dzaky Cahaya Putra Windiarti , Sofia Yuniarto, Aflah Ananda Zaputra, Ali Rahman Reza