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All Journal Jurnal Minds: Manajemen Ide dan Inspirasi
Darmawati, Mila
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Sacred Simplicity? Exploring TAM and User Intent in Islamic Bank Mobile Services in Indonesia Sultoni, Mohammad Hamim; Darmawati, Mila; Mujaddidi, Ah. Shibghatullah; Fahrurrozi, Fahrurrozi; Firmansyah, Farid
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 11 No 2 (2024): December
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v11i2.48518

Abstract

This study explores the antecedents of customer satisfaction among mobile banking users by refining the Technology Acceptance Model (TAM) through the lens of intention to use as a mediating mechanism. In doing so, it deepens the conceptual scaffolding of TAM by juxtaposing ease, utility, and volition within a digital Islamic banking context. A survey of 150 active BSI mobile banking users across multiple provinces was analyzed using Partial-Least-Squared Structural Equation Modeling. The results indicate that ease of use significantly bolsters satisfaction—directly and indirectly—while perceived usefulness exerts its influence chiefly through intention. Surprisingly, usefulness alone fails to predict satisfaction, suggesting a more nuanced psychological calculus in fintech adoption. These insights furnish digital banking strategists with a practical blueprint: prioritize interface simplicity to cultivate loyalty and perceived value.
Co-Authors Fahrurrozi Fahrurrozi Farid Firmansyah Mohammad Hamim Sultoni Mujaddidi, Ah. Shibghatullah