Decisions to Use Sharia Mobile Banking: The Role of Financial Literacy, Word of Mouth, and Ease of Features

Mumtazah Nurjihan (Universitas Islam Negeri Maulana Malik Ibrahim Malang)
Khusnudin Khusnudin (Universitas Islam Negeri Maulana Malik Ibrahim Malang)

Formosa Journal of Multidisciplinary Research (FJMR)
Vol. 4 No. 6 (2025): June 2025

The purpose of this study is to analyze the influence of financial literacy, word of mouth, and ease of service features on the decision of the people of Malang City in using Islamic bank mobile banking. The method used was descriptive quantitative with data from 100 respondents of Islamic mobile banking users. The results of the study showed that the three variables had a positive and significant influence, both partially and simultaneously, with a determination coefficient value of 64,7%. This means that most decisions to use the service can be explained by these three factors. This research emphasizes that banks, especially Islamic banks, mobile banking service providers are expected to maintain and improve the quality of services, as well as ease of use related to mobile banking operations, especially for people who use mobile banking efficiently to support daily financial activities.