ANALYSIS OF INTENTION TO USE ON ISLAMIC DIGITAL BANK IN INDONESIA

Abstract

The current growth of digital banks is accelerating. This can be seen from the number of users experiencing significant growth throughout the world, including Indonesia. Perceived Usefulness and Religiosity are the important things to create Attitude. If these things and Social Influence as well as Features are perceived by potential users, it can lead to Intention to Use. The purpose of this research is to analyze the effect of Perceived Usefulness and Religiosity through Attitude and Social Influence as well as Features as exogenous variables on Intention to Use on Islamic Digital Banks. This study uses quantitative research methods using SEM-PLS analysis techniques. Data collection was obtained through a Likert scale questionnaire. The sample collection used a convenience sampling technique with a sample size of 106 respondents. The sample criteria in this study were Muslim university students throughout Indonesia aged 20-24 years. The results indicated that Perceived Usefulness and Religiosity have a positive influence on Intention to Use through Attitude towards Islamic Digital Banks. Meanwhile, Social Influence and Features have a direct and significant positive effect on Intention to Use on Islamic Digital Banks. Conclusion of this research suggest that Islamic digital banks should actively coordinating with fatwa-making institutions to jointly declare that Islamic digital banks are not prohibited by Islam. Thus, the public will be more assured to use Islamic digital bank services, so that the number of customers will increase.