Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
P-Index
This Author published in this journals
All Journal Journal of Humanities and Social Studies Jurnal Ilmiah Manajemen Kesatuan
Atha, Muhammad Alwan
Unknown Affiliation
Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
The Effect Of Using Qris On BSI Mobile Banking On MSMES Customer Satisfaction In Medan Atha, Muhammad Alwan; Lubis, Fauzi Arif; Rahmani, Nur Ahmadi Bi
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 8, No 1 (2024): JHSS (Journal of Humanities and Social Studies)
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v8i3.10595

Abstract

The purpose of this study was to determine the effect of using QRIS in the BSI Mobile Banking Application on MSME customer satisfaction in Medan, this research was conducted at MSMEs in Medan. The type of research used is quantitative research. Sampling using saturated sampling technique, because researchers only took a sample of MSME respondents totaling 42 respondents. The data collection technique uses a questionnaire that has been tested for validity and reliability. The data analysis technique used to answer the hypothesis is multiple regression, classical assumption test, t test, f test, coefficient of determination. The results of the research conducted show that the coefficient of determination (adjusted R square) is 0.564 or 56.4%. That the use of QRIS in the BSI Mobile Banking Application partially affects MSME Customer Satisfaction in Medan.
Determinants of Islamic Digital Banking Adoption: Extending UTAUT3 with Islamic Lifestyle Moderation in Indonesia Sugianto; Nasution, Muhammad Lathief Ilhamy; Fauzan, M.; Atha, Muhammad Alwan
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 1 (2026): JIMKES Edisi January 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i1.4832

Abstract

The rapid digitalization of financial services has transformed global banking, yet the adoption of Islamic digital banking remains limited in emerging economies. The study examines the effects of performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, habit, and personal innovativeness on customers’ behavioral intention to adopt Islamic digital banking. This study investigates the determinants of Islamic digital banking adoption in Indonesia by extending the Unified Theory of Acceptance and Use of Technology 3 (UTAUT3) with Islamic lifestyle as a moderating factor. The research uses quantitative and survey data from 147 active Islamic banking customers across Sumatra and employs Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that all UTAUT3 constructs significantly and positively influence adoption intention, indicating that both rational–instrumental and behavioral–psychological factors shape digital banking decisions. Furthermore, Islamic lifestyle significantly moderates these relationships, enhancing the impact of technological and behavioral determinants when services align with Islamic values. The study contributes theoretically by integrating UTAUT3 with Islamic Lifestyle Theory and offers practical guidance for Islamic banks and policymakers to design Sharia-compliant digital strategies that combine efficiency with ethical and religious value alignment, highlighting the importance of value congruence in sustainable adoption.
Co-Authors Arifin Fauzi Lubis Fauzan, M. Muhammad Lathief Ilhamy Nasution Rahmani, Nur Ahmadi Bi Sugianto