Analisis Pengaruh Literasi Keuangan Digital, Persepsi Kemudahan Penggunaan, Persepsi Halal, dan Kekhawatiran Privasi terhadap Minat Mahasiswa di Solo Raya Menggunakan Bank Digital Syariah

Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah
Vol 10 No 1 (2026)

This study aims to analyze the factors influencing students’ Behavioral Intention to use Islamic digital banking in Greater Solo by employing a modified Technology Acceptance Model (TAM). The model integrates Digital Financial Literacy, Perceived Ease of Use, Halal Perception, and Privacy Concern as key determinants. This research adopts a quantitative approach, with data collected from university students through structured questionnaires and analyzed using SEM-PLS. The results indicate that Digital Financial Literacy, Perceived Ease of Use, and Halal Perception have a positive and significant effect on Behavioral Intention, while Privacy Concern does not have a significant influence. The findings suggest that students tend to prioritize system usability, financial capability, and alignment with Sharia principles over perceived privacy risks. This study contributes to the extension of TAM by incorporating capability-based and value-based determinants into the framework of Islamic digital banking adoption.