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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

Abstract

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.
ENHANCING PARTICIPATION IN INDONESIA'S ISLAMIC CAPITAL MARKET: EXPLORING TECHNOLOGY ACCEPTANCE, SOCIO-PSYCHOLOGICAL FACTORS, AND ISLAMIC FINANCIAL LITERACY Ibrahim, Muhammad Hanif; Agung Putri, Akmalia Lutfiaturrosyida; Hasanah, Imas; Agustin, Apia Dewi; Rosyida, Afnani
Jurnal Akuntansi dan Keuangan Indonesia
Publisher : UI Scholars Hub

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

Abstract

Background: This research aims to examine the factors influencing Indonesian Muslims' intention to invest in the Islamic capital market by synthesizing three theoretical frameworks: the Technology Acceptance Model (TAM), the Theory of Planned Behavior (TPB), and Islamic Financial Literacy (IFL). Methods: The study utilizes a sample of 250 participants with previous experience in Islamic investment, employing Partial Least Squares Structural Equation Modeling (PLS-SEM) for hypothesis testing and model evaluation. Findings: The findings indicate that perceived convenience substantially influenced perceived usefulness and ease of use. Moreover, perceived usefulness, Islamic financial literacy, and past behavior significantly and positively affect investment attitudes, which subsequently influences the intention to employ Islamic capital market instruments. Notably, subjective norms, perceived ease of use, and perceived behavioral control do not significantly influence attitudes, indicating that individual experiences and perceived value is more crucial than social and control-related factors in determining investment decisions. Conclusion: This study emphasizes the necessity for stakeholder initiatives, especially in financial education and digital service optimization, to improve Muslim investor engagement, and highlights the importance of user experience and perceived value. Novelty/Originality of this article: This research enhances the literature by presenting a comprehensive and integrated model encompassing cognitive, affective, and behavioral components, while also introducing a higher-order construct approach for measuring Islamic financial literacy. It offers strategic insights for creating inclusive and effective Sharia-compliant investment ecosystems in Indonesia
Uncovering Intention to Adopt Self-Checkout Through Technology Readiness: Empirical Study of Retail Customers Ibrahim, Muhammad Hanif; Amelia, Widya Ayu; Syahafin, Ansari A.
Jurnal Manajemen Teori dan Terapan| Journal of Theoretical and Applied Management Vol. 18 No. 1 (2025)
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jmtt.v18i1.69806

Abstract

Objective:  The objective of this study is to examine the factors that influence the intention to adopt self-checkout in a retail context.  Design/Methods/Approach: This study employs the PLS-SEM method, with a total of 356 respondents selected using purposive sampling. Findings: The dimensions of technology readiness have been shown to have a significant effect on expected ease of use and expected usefulness, except discomfort, which did not affect expected usefulness. In addition, autonomous motivation is proven to have a significant positive effect on expected ease of use and expected usefulness, despite controlled motivation having no impact on either expected ease of use and expected usefulness. Consequently, expected ease of use and expected usefulness significantly improve attitudes toward self-checkout system. Originality/Value: This research integrates three theories, technology readiness, technology acceptance model, and self-determination theory in predicting self-checkout Practical/Policy implication: For retailers looking to implement a self-checkout system, our research provides insights into the importance of adequate resources and support to facilitate user adoption. Retailers can leverage these findings to develop effective communication strategies highlighting the benefits of self-checkout through in-store and online advertising, resource updates, and employee training.