Acceptance and Usage Behavior of Bank Syariah Indonesia (BSI) Technology with TAM and Spiritual Motivation during the COVID-19 Pandemic

Abstract

This research was conducted to determine the acceptance and usage behavior of Bank Syariah Indonesia (BSI) technology with TAM (Technology Acceptance Model) and spiritual motivation during the COVID-19 pandemic. The use of technology in this research is focused on mobile banking services. The method in this study uses quantitative methods. The research data uses primary data in the form of a questionnaire given to customers who use mobile banking services at Bank Syariah Indonesia online. The data analysis technique uses SEM-PLS or often called Structural Equation Modeling - Partial Least Square. The results of the study show that customers of Bank Syariah Indonesia (BSI) who use mobile banking services have high trust, so that customers can receive and use the provided mobile banking services. The research findings support the Technology Acceptance Model (TAM) theory, which states that individuals accepting and using the system are influenced by perceptions of ease of use, perceptions of usefulness, attitudes, and behavioral intentions. In addition, there is a customer's spiritual motivation that the use of mobile banking does not violate sharia rules and can achieve personal welfare in various financial transactions carried out.