Penerimaan dan Penggunaan Layanan Mobile Banking Perbankan Syariah: Ekstensi Technology Acceptance Model

Authors

  • Heni Sukmawati Universitas Siliwangi, Indonesia
  • Joni Joni Universitas Siliwangi, Indonesia
  • Ari Farizal Rasyid Universitas Siliwangi, Indonesia
  • Mega Rachma Kurniaputri Universitas Indonesia, Indonesia

DOI:

https://doi.org/10.29040/jiei.v7i3.3615

Keywords:

Behavioral Finance, Micro-Based Behavioral Economics, Financial Institutions and Services, Islamic Banking, Theory of Acceptance Model (TAM)

Abstract

This study aims to analyze how the Islamic banking customer accepts mobile banking services and their behavior in using them. This study also aims to test the effect of Technology Acceptance Model (TAM) theory with spiritual motivation on customer intentions. This study uses quantitative methods with primary data obtained through the distribution of online questionnaires to Islamic banking customers who use mobile banking services. The data analysis technique used is Structural Equation Modeling – Partial Least Square (SEM-PLS). Islamic bank customers who receive and use mobile banking services are influenced by perceptions of convenience, perceived usefulness, attitudes, and intentions such as the Technology Acceptance Model theory. The level of spiritual motivation in this study can affect the intentions of Islamic bank customers as mobile banking users in Indonesia. This research is expected to be useful as additional information is needed to improve services for customers. This study examines Islamic bank customers who use mobile banking services and becomes the latest research after the merger of Islamic banks in Indonesia.

References

Adhiputra, M. W. (2015). Aplikasi Technology Acceptance Model Terhadap Pengguna Layanan Internet Banking. Jurnal Bisnis dan Komunikasi, 52-64.

Akturan, U., & Tezcan, N. (2012). Mobile Banking Adoption of the Youth Market. Marketing Intelligence & Planning, 444-459.

Baharuddin. (2007). Paradigma Psikologi Islami: Studi tentang Elemen Psikologi dari Al Qur'an. Yogyakartaa: Pustaka Pelajar.

Chapra, M. U. (1990). What is Islamic Economics. Jeddah: IRTI IDB.

Cahyani, D. I., & Sumadi, S. (2015). Alternatif Sistem Ekonomi Islam Untuk Indonesia Yang Lebih Sejahtera. Jurnal Ilmiah Ekonomi Islam, 1(02).

Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 319-340.

Geo, R. G., Shaikh, A. A., & Karjaluoto, H. (2017). Mobile Banking Services Adoption in Pakistan: Are There Gender Differences. International Journal of Bank Marketing, 1090-1114.

Hong, I. B. (2019). Understanding and Predicting Behavioral Intenton to Adopt Mobile Banking. Journal of Global Information Management, 182-202.

Inayah, N., Agriyanto, R., & Warno, W. (2018). The Role of Spirituality in the Behavior of Sharia Bank Mobile Banking: Evidence from Indonesia. Walisongo: Jurnal Penelitian Sosial Keagamaan, 197-224.

Kardiono, B. (2017). Analisis Perilaku Pengguna Layanan Internet Banking dengan Menggunakan Pendekatan Technology Acceptance Model dan Perceived Enjoyment di Surabaya. Jurnal Universitas Kristen Petra, 122-139.

Khasawneh, M. H., & Irshaidat, R. (2017). Empirical Validation of the Decomposed Theory of Planned Behaviour Model Within the Mobile Banking Adoption Context. International Journal Electronic Marketing and Retailing, 58-76.

Kotler, P., & Amstrong, G. (2010). Principles of Marketing. United States of America: Pearson.

Kurniawati, H. A., Winarno, W. A., & Arif, A. (2017). Analisis Minat Penggunaan Mobile Banking dengan Pendekatan Technology Acceptance Model yang telah dimodifikasi. Jurnal Ekonomi Bisnis dan Akuntansi, 24-30.

Mostafa, A. A., & Eneizan, B. (2018). Factors Affecting Acceptance of Mobile Banking in Developing Countries. International Journal of Academic Research in Business and Social Sciences, 340-351.

Muzurura, J., & Chigora, F. (2019). Consumers Behavioural Intention to Adopt Mobile Banking in Rural Sub-Saharan Arica Using an Extension of Technology Acceptance Model: Lessons from Zimbabwe. International Journal of Business Economics and Management, 316-334.

Rahmawaty, A. (2016). Spiritual Motivation on Syariah Marketing: Cara Jitu Meningkatkan Loyalitas Bank Syariah. Yogyakarta: Idea Press.

Ramadhan, R., & Herianingrum, S. (2017). Persepsi Kemudahan Penggunaan, Persepsi Kredibilitas dan Persepsi Harga Terhadap Niat Nasabah Menggunakan Layanan Mobile Banking (Studi Kasus Bank Syariah Mandiri Surabaya). Jurnal Ekonomi Syariah Teori dan Terapan, 478-492.

Ratnadi, N. M., & Widanaputra, A. A. (2019). Pengaruh Persepsi Kegunaan, Kemudahan Penggunaan, dan Norma Subyektif pada Minat Perilaku Penggunaan E Billing. Jurnal Ilmiah Akuntansi dan Bisnis, 169-183.

Ridhoi, M. A. (2020, November). Analisis. Retrieved from katadata.co.id: https://katadata.co.id/muhammadridhoi/analisisdata/5fa193d52a355/rendahnya-akses-perbankan-bisa-ganjal-digitalisasi-ekonomi

Ridhoi, M. A. (2020, November). Analisis. Retrieved from katadata.co.id: https://katadata.co.id/muhammadridhoi/analisisdata/5fa193d52a355/rendahnya-akses-perbankan-bisa-ganjal-digitalisasi-ekonomi

Rosana, F. C. (2021). Bisnis. Retrieved from tempo.co: https://bisnis.tempo.co/read/1424676/tak-capai-10-persen-ojk-sebut-indeks-literasi-keuangan-syariah-masih-rendah/full&view=ok

Rustam, B. R. (2020). Opini. Retrieved from republika.id: https://www.republika.id/posts/10538/strategi-bank-syariah

Shaikh, A. A., & Karjaluoto, H. (2015). Mobile Banking Adoption: A Literature Review. Journal of Telematics and Informatics, 129-142.

Shbiel, S. O., & Ahmad, M. A. (2016). A Theoretical Discussion of Electronic Banking in Jordan by Integrating Technology Acceptance Model and Theory of Planned Behavior. International Journal of Academic Research in Accounting, 272-284.

Siraye, Z. (2015). Customers Adoption of Electronic Banking Service Channels in Ethiopia. Journal Electronic Finance, 21-36.

Sitanggang, L. M. (2021). News. Retrieved from kontan.co.id: https://keuangan.kontan.co.id/news/selama-pandemi-kebiasaan-bertransaksi-nasabah-perbankan-mulai-bergeser

Siyal, A. W., Donghong, D., & Umrani, W. A. (2019). Predicting Mobile Banking Acceptance and Loyalty in Chinese Bank Customers. Journal SAGE Open, 1-21.

Turban, E., King, D., Turban, D. C., Liang, T. P., & Jae, L. K. (2015). Electronic Commerce: A Managerial and Social Networks Perspective. Switzerland: Soringer International Publisher.

Varma, A. (2018). Mobile Banking Choices of Entrepreneurs: A Unified Theory of Acceptance and Use of Technology Perspective. Theoretical Economics Letters, 2921-2937.

Venkatesh, V., & Davis, F. D. (1996). A Model of the Antecedents of Perceived Ease of Use: Development and Test. Decision Science, 451-470.

Wulandari, N. P., & Moeliono, N. N. (2017). Analisis Faktor-Faktor Penggunaan Layanan Mobile Banking di Bandung. Bisnis dan IPTEK, 139-149.

zonakeuangan.com. (2021, Februari). Berita. Retrieved from zonakeuangan.com: https://www.zonakeuangan.com/2021/03/daftar-bank-syariah-yang-terdaftar-ojk.html

Downloads

Published

12-11-2021

How to Cite

Sukmawati, H., Joni, J., Rasyid, A. F., & Kurniaputri, M. R. (2021). Penerimaan dan Penggunaan Layanan Mobile Banking Perbankan Syariah: Ekstensi Technology Acceptance Model. Jurnal Ilmiah Ekonomi Islam, 7(3), 1845–1857. https://doi.org/10.29040/jiei.v7i3.3615

Issue

Vol. 7 No. 3 (2021): JIEI : Vol. 7, No. 3, 2021

Section

Articles

Citation Check

License

The copyright of the article fully belongs to the Jurnal Ilmiah Ekonomi Islam and publishing rights belong entirely to LPPM STIE AAS Surakarta

 Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.

Similar Articles

<< < 1 2 3 4 5 6 7 8 9 10 > >> 

You may also start an advanced similarity search for this article.