Article Per Year (5 Year)
p-Index From 2020 - 2025
2.383
P-Index
This Author published in this journals
All Journal Jurnal Ekonomi Islam JURNAL PENDIDIKAN TAMBUSAI MUAMALATUNA Malikussaleh Journal of Mechanical Science Technology Prosperity: Journal of Society and Empowerment Journal of Islamic Economics, Management, and Business (JIEMB) Tadayun: Jurnal Hukum Ekonomi Syariah Likuid: Jurnal Ekonomi Industri Halal Jurnal Ekonomi Islam JURNAL PENGABDIAN MASYARAKAT AKADEMISI Velocity: Journal of Sharia Finance and Banking JISEF : Journal Of International Sharia Economics And Financial Reinforce: Journal of Sharia Management Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah
Andrean, Rizky
Unknown Affiliation
Religion Arts Humanities Automotive Engineering Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Engineering Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mechanical Engineering Social Sciences

Published : 16 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah

 1 
Innovation in Technology, Financial Literacy, and Security Risk in Cardless Withdrawals: Case Study on Customers Adoption at Bank Syariah Indonesia Henderianto, Ricky; Adinugraha, Hendri Hermawan; Shultoni, Muhammad; Andrean, Rizky
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 1 (2025)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v11i1.5925

Abstract

Purpose: This study aims to analyze the impact of technological innovation, financial literacy, and security risk on the adoption of cardless withdrawal services among customers of Bank Syariah Indonesia (BSI) in Pekalongan Regency.Design/methodology: A quantitative research approach was employed, collecting data through a questionnaire distributed via Google Forms. The sample size was determined using the Lemeshow formula, resulting in 97 respondents. Data analysis included classical assumption tests, multiple linear regression, and hypothesis testing.Findings: The results indicate that technological innovation and security risk positively and significantly inthe fluence the adoption of cardless withdrawal services. Customers perceive security as a crucial factor in their decision to use this service. However, financial literacy does not significantly impact adoption, suggesting that customers’ financial knowledge does not play a major role in their willingness to utilize this feature.Practical implications: The findings provide valuable insights for Islamic banks to enhance digital banking adoption by improving technological infrastructure and security features. Additionally, efforts should be made to raise awareness about financial literacy to encourage broader acceptance of innovative banking services.Originality/Value: This study explores the adoption of cardless withdrawal services within the context of Islamic banking, particularly in a regional setting that has not been extensively studied. It offers a novel contribution by examining the interplay of technological innovation, financial literacy, and security risk in influencing customer behavior.
Co-Authors Abdul Rahman Achmad Tubagus Surur Achmad, Dliyauddi Asnawi, A dzilkamil, khabibah Ferida Rahmawati Ghozani, Sobi Gunawan Aji Henderianto, Ricky Hendri Hermawan Hendri Hermawan Adinugraha Hermawan Adinugraha, Hendri Izaty, Santi Nailul Jailani, Novalini Jannah, Arina Roudhotul Khadiqoh, Sabita Khairul Anwar Khoirul Fikri, Muhammad Muhammad Ali Gunawan Muhammad Khoirul Fikri Muhammad Shulthoni Muna, Shovil Nabila, Anissa Putri Pangesti, Maulida Ayu Sadali, Ayatullah Safi'i, M. Aris Sain, Zohaib Hassan Setyawan, Muhammad Bagus Shultoni, Muhammad Syarifah, Uvi Ulum, Muhammad Fakhtul Umairo, Tsania Widodo, Haryanto Kanthi