Abstract
The growing number of mobile banking applications is a fascinating phenomenon to understand better how people use financial services. This study looked into the behavior of mobile banking users considering perceived usefulness, perceived ease of use, security, and the mediating effect of consumer attitudes. We investigated a sharia-based financial services mobile banking application called Baitul Maal wat Tamwil (BMT), developed by a leading private university in Indonesia. We conducted explanatory research using an online survey involving university students who become customers of the BMT. One hundred and seventy-six respondents were applied based on a non-probability sampling technique with the purposive sampling method. The data analysis uses structural equation modelling (SEM) with the AMOS 22. Our finding revealed that perceived usefulness, perceived ease of use, and security influence behavioral intentions to use mobile banking. Furthermore, consumer attitudes mediate the association between perceived usefulness and ease of use on behavioral intention in mobile banking. The contribution of this paper lies in achieving a deeper understanding of perceived usefulness, ease of use, security, and consumer attitude on behavioral intentions in mobile banking. Hopefully, this will enrich the investigation of the use of technology in sharia financial services.
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