Abstract
Although mobile banking is one of the online banking services that makes it easy for consumers to conduct financial transactions, research on Islamic mobile banking in developing countries with a Muslim majority is still relatively insignificant. Not all Muslim consumers are interested in or intend to use conventional mobile banking services. Therefore, the aim of this study is to integrate the TAM theory and the construct of religiosity to examine consumer intentions to use Islamic mobile banking services. Data were collected through a survey questionnaire of 482 Muslim consumers in Indonesia using convenience sampling techniques. The collected data were then analyzed using structural equation modeling (SEM-AMOS). The results of this study showed that perceived ease of use cannot influence the perceived usefulness and attitudes of variables towards Islamic mobile banking. While perceived usefulness has been proven to influence attitudes toward Islamic mobile banking and may be the largest contributor to increased intentions to use Islamic mobile banking. On the other hand, this study reveals that the influence of religiosity can positively and significantly foster consumer sensibility and intention to use Islamic mobile banking.
Highlights
The development of information and communication technology is growing very rapidly, such as the Internet and wireless technologies, which has revolutionized human life in both business and non-business sectors
In countries with a Muslim majority population, they have a tendency to choose banking that is in accordance with Islamic law (Lee & Ullah, 2011; Mbawuni & Nimako, 2018) such as in Indonesia (Nurhayati & Hendar, 2019)
Perceived usefulness and Intention to Islamic mobile banking was found to be significantly positive This paper investigates consumer intention to with the path coefficient equal to 0.458 (Sig. 0.000). use Islamic mobile banking in Indonesia using
Summary
The development of information and communication technology is growing very rapidly, such as the Internet and wireless technologies, which has revolutionized human life in both business and non-business sectors. One of the business sectors that has changed drastically due to technological advances is the banking business sector (Johar & Suhartanto, 2019); this is to improve the ability of banks to provide comfort, service quality, and speed of service to customers. The purpose of adopting banking technologies is to create competitive advantage and attract new customers (Raza et al, 2018). This innovation is able to present a standardization of banking products and services in the form of innovation in the financial sector, known as mobile banking or M-banking (Mohammadi, 2015). The evolution of mobile banking does occur in the conventional banking industry and in Islamic banking.
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