Advances in Economics & Financial Studies
Vol. 4 No. 2 (2026): February - May

The Impact of Effective Digital Onboarding on the Growth of Islamic Bank Customers in Indonesia

Saleha, Salwa Latipah (Unknown)
Muhammad Arif (Unknown)



Article Info

Publish Date
21 May 2026

Abstract

Purpose: This study aims to analyze the relationship between the effectiveness of digital onboarding and the acceptance of digital banking services at Bank Syariah Indonesia in Medan. Research Method: This study employs an associative quantitative approach with a cross-sectional design. Data were collected through a questionnaire distributed to 100 respondents who had used the digital onboarding service at Bank Syariah Indonesia in Medan. Data analysis was conducted using simple linear regression in SPSS, supported by tests of validity, reliability, normality, and heteroscedasticity. Results and Discussion: The study indicates that digital onboarding has a positive and significant relationship with the acceptance of digital banking services. Ease of registration, time efficiency, flexibility of access, and ease of use of the system shape the public’s positive perception of digital banking services. These findings support the Technology Acceptance Model (TAM) and the Diffusion of Innovations Theory. Implications: This study offers practical guidance for Islamic banking institutions on improving the quality of digital onboarding services to enhance public acceptance of digital services and advance financial inclusion. Originality: This study focuses on digital onboarding as an initial mechanism for adopting digital services in Islamic banking in Medan

Copyrights © 2026






Journal Info

Abbrev

AEFS

Publisher

Subject

Economics, Econometrics & Finance

Description

Founded in 2023, Advances in Economics & Financial Studies publishes original research that promises to advance our understanding of Economics & Financial Studies over diverse topics and research methods. This Journal welcomes research of significance across a wide range of primary and applied ...