Determinants for acceptance and use of shariah banking digital services in Indonesia: Applying UTAUT 3, trust, and shariah compliance

Mulazid, Ade Sofyan, Saharuddin, Desmadi, Muttaqien, Muhammad Khaerul, Wicaksono, Ahmad Tibrizi Soni ORCID: https://orcid.org/0000-0001-8643-1351, Fatmawati, Fatmawati and Fauzan, Fauzan (2024) Determinants for acceptance and use of shariah banking digital services in Indonesia: Applying UTAUT 3, trust, and shariah compliance. Journal of King Abdulaziz University: Islamic Economics, 32 (1). pp. 55-77. ISSN 1018-7383

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Abstract

Digital banking is one of the services of sharīʿah banking, so the quality of these services needs to be considered. This study investigates the determinants of intention and use of sharīʿah banking digital services by Indonesian Muslims, using the modified unified theory of technology acceptance and use (UTAUT) 3 model with sharīʿah compliance and trust variables. The model was empirically tested in the Jakarta Metropolitan area using 129 responses from a field survey. The collected data were analyzed using partial least squares structural equation modeling. The results show that habit, personal innovativeness, and trust significantly influence the intention to use sharīʿah banking digital services. Performance expectations, personal innovativeness, and sharīʿah compliance significantly affect the actual use of sharīʿah banking digital services. The results of this study also prove the role of sharīʿah compliance in moderating the effect of business expectations on the intention to use sharīʿah banking digital services. The practical implications of the results of this study can be used to encourage the development of sharīʿah banking digital services and decision-making in formulating strategies to increase the acceptance and use of sharīʿah banking digital services. This research also contributes to the development of literature as an initial effort to investigate the factors that influence the acceptance and use of sharīʿah banking digital services using the modified UTAUT 3 model with sharīʿah compliance and trust variables.

Item Type:	Journal Article
Keywords:	UTAUT 3; shariah compliance; digital banking; shariah banking
Subjects:	15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1502 Banking, Finance and Investment > 150203 Financial Institutions (incl. Banking) 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1505 Marketing > 150501 Consumer-Oriented Product or Service Development 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1505 Marketing > 150504 Marketing Measurement
Divisions:	Faculty of Economics > Department of Islamic Banking
Depositing User:	Ahmad Tibrizi Soni Wicaksono
Date Deposited:	04 Apr 2024 11:20

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