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All Journal Jurnal Manajemen dan Organisasi Jurnal Administrasi Bisnis Jurnal Akuntansi Multiparadigma Asian Journal of Accounting Research International Research Journal of Business Studies (E-Journal) Majalah Ekonomi Owner : Riset dan Jurnal Akuntansi Jurnal Aplikasi Akuntansi Jurnal Review Pendidikan dan Pengajaran (JRPP) Jurnal Proaksi Tangible Journal Entrepreneurship Bisnis Manajemen Akuntansi (E-BISMA) AJAR (Asian Journal of Accounting Research) (e-Journal) Jurnal Akuntansi dan Keuangan Indonesia JRAP (Jurnal Riset Akuntansi dan Perpajakan) Innovative: Journal Of Social Science Research e-Jurnal Apresiasi Ekonomi IIJSE International Conference on Islamic Economic International Research Journal of Business Studies Jurnal Akuntansi Kontemporer
Alfa Rahmiati, Alfa
Faculty Of Economics And Business, Universitas Airlangga Surabaya
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Neuroscience Public Health Social Sciences Other

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Journal : International Conference on Islamic Economic

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Exploring the Determinants of Digital Banking Adoption Among Islamic Banks in Indonesia Setiawan, Nanang; Rahmiati, Alfa
International Conference on Islamic Economic (ICIE) Vol. 4 No. 1 (2025): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/wh7pdh34

Abstract

: This study analyzes the critical factors influencing the adoption of digital banking services within Islamic banks in Indonesia. The rapid digital transformation in the Islamic financial sector has created both opportunities and challenges, particularly in understanding customer behavior and aligning digital innovations with Sharia principles. The primary objective of this research is to identify the extent to which religiosity, financial literacy, business expectations, and social influence affect the willingness of Muslim users to adopt digital banking platforms. A quantitative survey method was applied, involving 265 Muslim students from various universities in East Java, Indonesia, who actively utilize digital banking services. The results demonstrate that religiosity is the most significant determinant of adoption, highlighting that faith-based values strongly shape consumer decisions in the Islamic financial context. In addition, financial literacy, perceived business benefits, and peer influence were also found to have a substantial impact, reflecting the role of both intrinsic and extrinsic motivators. These findings contribute to the growing body of knowledge on technology acceptance in Islamic finance by integrating behavioral and spiritual perspectives. The study also offers practical insights for Islamic banks to design digital services that are both technologically innovative and ethically aligned with customers’ expectations
Co-Authors Amedea Cristabel Limantoro Ardianto Devi Wulandari Endang Kristiawati, Endang Gamaniar Putri Islamie Hartanto, Anton Dwi Heru Tjaraka Inayah, Lifia Khuluqy, Hilmi Lifia Inayah Limantoro, Amedea Cristabel Nanang Setiawan Novrys Suhardianto Nurjanah, Risandy Meda Pratiwi, Shinta Cahyaning Tri Prihutami, Rindang Brili Renny Wulandari Resti Sandi Resti Sandi, Resti Santi, Santi Novita Sholihah, El Fira Mar’atus Siti Maisaroh Sri Iswati Sudarini Tahlila, Siti Najwa Dena Tjiptohadi Sawarjuwono Yulius Jogi Christiawan Zahroh Naimah, Zahroh Zalsabilla, Vanyda