<![CDATA[This study examines customer adoption of Bank Syariah Indonesia (BSI) using a parsimonious Stimulus–Organism–Response (SOR) framework that integrates digital religious influence and institutional capability. Online Religious Leaders and Managerial Performance are modeled as external stimuli that strengthen Product Value Trust, which subsequently drives the Decision to Become a BSI Customer. Data were collected via mixed-mode (online and on-site) questionnaires from 325 active BSI customers in the Jakarta–Bogor–Depok–Tangerang–Bekasi area and were analyzed using SEM-PLS. The results show that Online Religious Leaders (? = 0.341) and Managerial Performance (? = 0.339) significantly increase Product Value Trust, while Product Value Trust significantly predicts the adoption decision (? = 0.352). Both stimuli exerted significant direct effects on decisions (? = 0.357 and ? = 0.380, respectively). Mediation tests indicate meaningful indirect effects through Product Value Trust (0.120 for Online Religious Leaders and 0.119 for Managerial Performance), confirming that trust carries part of their influence. The model explains 21.2% of variance in Product Value Trust and 53.6% in the adoption decision (R² = 0.212; 0.536). These findings imply that Islamic bank customer acquisition depends on aligning credible religious cues and visible operational reliability to build trust in the product value and reduce perceived uncertainty. This study contributes to the literature by specifying a single dominant organismic mechanism and offering actionable guidance for digital engagement and service execution strategies.]]>
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