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All Journal El-Qist : Journal of Islamic Economics and Business (JIEB) JIFTECH: Journal Of Islamic Financial Technology
Elce, Furkan
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Economics, Econometrics & Finance Library & Information Science Social Sciences

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Cybersecurity Behavior as a Reflection of Hifz al-Māl in Islamic Banking: A Behavioral Model Based on Protection Motivation Theory Hutagalung, Muhammad Wandisyah R; Siregar, Saparuddin; Furqan, Mhd.; Pulungan, Ismail; Elce, Furkan
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 15 No. 2 (2025): October (on going)
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2025.15.2.27-45

Abstract

This study examines psychological determinants of cybersecurity protection behavior among Islamic banking customers by applying Protection Motivation Theory (PMT) within a maqāṣid al-sharīʿah framework. Using a quantitative survey (N = 384) and PLS-SEM, it tests the effects of perceived vulnerability, severity, self-efficacy, response efficacy, response cost, and social influence, as well as the moderating role of cybersecurity education. Results show that vulnerability, severity, response efficacy, and social influence significantly predict protection behavior, while self-efficacy and response cost do not. Cybersecurity education has no significant moderating effect. The model explains 69.6% of the variance, indicating strong explanatory power. The study contributes by linking PMT to Islamic economic principles, particularly ḥifẓ al-māl and amānah, and suggests that Islamic banks need community-based, values-driven cybersecurity education to foster sustainable protective behavior.
Determinants of The Use of The Flip Application on UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan Students Hutagalung, Muhammad Wandisyah R; Elce, Furkan; Lestari, Sry
Journal of Islamic Financial Technology Vol 2, No 1 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i1.8396

Abstract

Islamic banking study program students who already know the admin fee-free application, but only a few use the admin fee-free application. Even though it is easy and useful, only some students use the flip application, and some students still believe in doing transactions using the flip applicationfeel more comfortable doing transactions directly to the ATM. The formulation of the problem in this study is whether there is a partial and simultaneous effect of ease, benefit, and trust in the decision to use the flip application for students of the Islamic Banking study program at Syekh Ali Hasan Ahmad Addary State Islamic University Padangsidimpuan.          Objective the research was to determine the effect of convenience, usefulness, trust partially and simultaneously on students of the Islamic Banking study program at the State Islamic University of Syekh Ali Hasan Ahmad Addary Padangsidimpuan. The theory in this study uses the factors that influence decisions, namely: perceived usefulness, perceived ease of use, attitude, and behavioral intention. This research is a quantitative research, the data source used is primary data and data collection using questionnaires and documentation techniques.The research sample is 89 samples with techniques purposive sampling. The data analysis techniques used in this study are validity test, reliability test, normality test, multicollinearity test, heteroscedasticity test, coefficient of determination test (R 2 ), partial test (t test), and simultaneous significant test (F test), multiple linear analysis. The results of the study show that partially the variables of convenience, usefulness and trust influence the decision to use the flip application in students of the Islamic Banking study program at Syekh Ali Hasan Ahmad Addary Padangsidimpuan State Islamic University. Simultaneously the variables of convenience, usefulness, and trust influence the decision to use the flip application in students of the Islamic Banking study program at the State Islamic University of Syekh Ali Hasan Ahmad Addary Padangsidimpuan. 
Co-Authors Hutagalung, Muhammad Wandisyah R Ismail Pulungan Lestari, Sry Mhd Furqan Saparuddin Siregar