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All Journal Journal of Ekonomics, Finance, and Management Studies
Mira Puspitasari
Universitas Negeri Surabaya
Religion Economics, Econometrics & Finance

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Analisis Faktor Penentu Minat Nasabah Terhadap Penggunaan Aplikasi Mobile Banking Syariah: Integrasi Model TAM Mira Puspitasari; Rachma Indrarini
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i3.10288

Abstract

Innovations in digital applications such as Islamic mobile banking offer convenience and efficiency in conducting financial transactions. However, the presence of this technology has also given rise to various risk perceptions among the public. Therefore, it is necessary to understand the factors that influence customers’ intention to use Islamic mobile banking applications. This study aims  to analyze  the impact of several variables, namely perceived ease of use, perceived benefits, social and financial services, and perceived risk on intention to use Islamic mobile banking applications. Quantitative methods were used as the approach in this study. Primary data were collected from 264 respondents selected through purposive sampling using a questionnaire. To analyze the data, the Structural Equation Modeling Partial Least Squares (SEM-PLS) method was used. The results showed that perceived ease of use, perceived benefits, and social and financial services had a positive and significant impact on intention to use Islamic mobile banking application. However, unlike other variables, perceived risk was found to have no significant influence on intention to use the application.
Co-Authors Rachma Indrarini