Faktor-Faktor Penentu Adopsi Perbankan Digital Islam di Bawah Mandat Regulasi Syariah: Bukti dari Aceh, Indonesia
DOI:
https://doi.org/10.29040/jiei.v12i2.19548Kata Kunci:
Qanun LKS, Adopsi Perbankan Digital, Adoption Paradox, Literasi Digital, Kepercayaan.Abstrak
Penelitian ini mengkaji determinan sosio-teknis dalam adopsi perbankan digital syariah dalam kerangka khusus Qanun Lembaga Keuangan Syariah Aceh (Qanun LKS). Meskipun kebijakan tersebut berhasil mendorong migrasi administratif hingga mencapai 100%, dampaknya terhadap perilaku penggunaan layanan digital secara substantif masih belum banyak dikaji. Penelitian ini berupaya menjawab fenomena “Adoption Paradox”, yaitu kondisi ketika tingkat inklusi yang tinggi secara regulatif tidak secara otomatis diikuti oleh penggunaan layanan secara aktif. Penelitian ini menggunakan pendekatan kuantitatif dengan desain deskriptif-analitis melalui survei terhadap 200 nasabah Bank Syariah Indonesia (BSI) di Kabupaten Bireuen, sebuah wilayah semi-perdesaan yang merepresentasikan tantangan transisi digital dalam masyarakat yang masih memiliki karakteristik tradisional. Data dianalisis menggunakan metode Regresi Linear Berganda dengan bantuan perangkat lunak SPSS versi 21. Hasil penelitian menunjukkan adanya kesenjangan adopsi yang signifikan, di mana hanya sekitar 30% responden yang tergolong sebagai pengguna aktif layanan perbankan digital. Hasil analisis regresi menunjukkan bahwa literasi digital merupakan prediktor paling kuat terhadap adopsi layanan (β = 0,600; p < 0,001), diikuti oleh kepercayaan terhadap keamanan sistem (β = 0,462; p < 0,001), persepsi kemudahan penggunaan, serta pengaruh sosial. Penelitian ini menyimpulkan bahwa kebijakan yang bersifat top-down melalui regulasi formal belum cukup efektif tanpa diimbangi dengan pendekatan bottom-up yang berfokus pada peningkatan kapabilitas digital masyarakat dan pembangunan kepercayaan terhadap sistem teknologi. Untuk mencapai Cost Optimization Rate (COR), lembaga keuangan syariah perlu memprioritaskan penguatan sistem keamanan siber serta program literasi digital guna menjembatani kesenjangan adopsi yang masih terjadi. Kontribusi penelitian ini terletak pada upaya menghubungkan mandat regulasi syariah yang bersifat regional dengan model penerimaan teknologi, sehingga menghasilkan kerangka analitis yang dapat direplikasi dalam proses transformasi digital pada ekonomi yang berlandaskan tata kelola syariah.
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