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Novida, Irma
Institut Teknologi Dan Bisnis Ahmad Dahlan Jakarta
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Trust and behavioral intention toward blockchain-based mudharabah smart contracts in Islamic banking Fielnanda, Refky; Novida, Irma; Rahma, Sri; Anggraini, Dessy; Alwahidin , Alwahidin
Jurnal Ekonomi & Keuangan Islam Volume 12 No. 2, July 2026
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol12.iss2.art1

Abstract

Purpose – This study examines how perceived usefulness, perceived ease of use, and Sharia compliance shape trust in blockchain-based mudharabah smart contracts and how trust drives the behavioral intention to adopt them.Methodology – An online survey of 300 purposively selected Islamic bank customers in Indonesia, screened for familiarity with digital financial services and blockchain, was analyzed using partial least squares structural equation modelling (PLS-SEM), drawing on the technology acceptance model and the Sharia compliance perspective.Findings – Perceived usefulness (β = 0.707) and Sharia compliance (β = 0.234) significantly increased trust, whereas perceived ease of use did not (β = 0.041; p = 0.069). Trust strongly predicted behavioral intention (β = 0.889) and mediated the effects of perceived usefulness (β = 0.629) and Sharia compliance (β = 0.208), but not perceived ease of use. The model explains 91.9% of the variance in trust and 79.1% in the behavioral intention.Implications – Adoption depends more on demonstrable functional benefits and visible Sharia governance than on interface simplicity; therefore, Islamic banks and fintech developers should prioritize transparency and auditable Sharia assurance mechanisms in smart contract design.Originality – Prior Islamic fintech research has treated technology acceptance and Sharia compliance as separate explanations for adoption. This study jointly models them as antecedents of trust in a decentralized contract setting, where automation removes the human intermediary that conventionally guarantees Sharia conformity — a configuration not previously tested on Islamic banking customers.
Co-Authors ., Maisarah ., Syahrian Ahmad Bahtiar Ahmad Bahtiar, Ahmad Al Muhlish, Annasy Alwahidin , Alwahidin Ambardi, Ambardi Aminudin, Aminudin Anggraini, Dessy Annasy Al Muhlish Astuti, Tri Budi Ayuningtiyas Ayuningtiyas BAMBANG SUDARWANTO, PANTJA Budi Astuti, Tri Citra Anandya Dede Dahlan Dede Dahlan, Dede Elliya Sestri Eri Nofriza Erion Erion Erion Erion Farrel Septian Ferry Firmansyah Fitri Rossiana H Husnayetti Hana, Alfiyah Hari Mardika, Isnan Hudaa, Syihaabul Husnayetti, H Husnayetti, Husnayetti Islam, Nur Izzatil Isnan Hari Mardika Isticharoh, Nabilah Laili Istiyanti Istiyanti Iwan Hermawan Iwan Subandi, Iwan Junarti Khikmatul Laily Kristanti, Linda Kusumawati, Berlianingsih Mahsusi Mahsusi Marifatul Hikmah Maulana, Hafid Raihan Muhammad Alhafizh Muhammad Robiansyah Muhammad Zulkifli Nathania Nariswari AP Nisrina Fajarani Nurul Setiani Nuryani, Nuryani Pujiono Pujiono Rahma, Sri Refky Fielnanda Rizfalefriadi, Adi Rosiyanti, Melita - Saepul Bahri Sepriansyah, Idham Sestri, Ellya Syihaabul Hudaa Syihaabul Hudaa Syihaabul Hudaa Ulmalik, Rafta Widodo Widyat Nurcahyo Yandari, Ayu Yansyah, Andri Yanti Budiasih Yeni Oktaviani Yeni Oktaviani Yeni Oktaviani, Yeni Yudiman, Atika Tri Yumniati Agustin Yumniati Agustina Yumniati Agustina Zhafri, Muh