<![CDATA[Purpose – This study examines the determinants of Bank Syariah Indonesia (BSI) mobile banking usage in Aceh Province using the Unified Theory of Acceptance and Use of Technology (UTAUT). As the only Indonesian province to fully implement an Islamic financial system under Qanun No. 11 of 2018, Aceh provides a distinctive regulatory and socio-religious context for examining digital banking adoption.Methodology – A quantitative approach was employed using data from 400 active BSI Mobile users in Aceh, selected through purposive sampling. Respondents were Aceh residents aged at least 17 years who had conducted mobile banking transactions within the previous three months. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.Findings – Performance Expectancy, Effort Expectancy, and Social Influence positively and significantly affect Behavioral Intention, with Social Influence emerging as the strongest predictor. Behavioral Intention significantly influences Use Behavior, whereas Facilitating Conditions have no significant effect on actual mobile banking usage.Implications – The findings suggest that increasing mobile banking adoption in Aceh requires community-based strategies involving religious leaders, Islamic organizations, and educational institutions, as well as improvements in technological features and infrastructure.Originality – This study provides empirical evidence that social influence plays a prominent role in digital banking adoption within a highly regulated Islamic financial system and a strong communal culture. This study extends the applicability of the UTAUT to Islamic digital finance in a distinctive regulatory and socio-religious setting.]]>
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