The Influence of Financial Literacy, Perception of Usefulness and Convenience on Interest in Using Mobile Banking of Syariah Banks Among MSME Actors in Gresik Regency

Achmad Hadhirul Marwah (Universitas Negeri Surabaya, Surabaya, Indonesia)
Moch Khoirul Anwar (Universitas Negeri Surabaya, Surabaya, Indonesia)
Taufiq Kurniawan (Universitas Negeri Surabaya, Surabaya, Indonesia)

Danadyaksa: Post Modern Economy Journal
Vol. 4 No. 1 (2026): Post Modern Economy Journal

This study aims to analyze the influence of financial literacy and perceived usefulness and ease of use on the interest in using Islamic bank mobile banking among MSMEs in Gresik Regency. The background of this study is the still-low adoption of Islamic mobile banking despite the continued development of digital technology. Based on the Technology Acceptance Model (TAM) theory, usability, ease of use, and benefits influence technology acceptance. The study used quantitative methods with a questionnaire survey and multiple linear regression analysis. The results are expected to provide an understanding of the importance of improving financial literacy and digital innovation in Islamic banks to encourage financial inclusion among MSMEs.