Analysis of FNB micro business actors' perceptions in Malang city on the use of sharia mobile banking

Azizah, Nisya Nur and Solekah, Nihayatu Aslamatis ORCID: https://orcid.org/0000-0002-6722-8283 (2025) Analysis of FNB micro business actors' perceptions in Malang city on the use of sharia mobile banking. Jurnal Tabarru’: Islamic Banking and Finance, 8 (2). pp. 521-533. ISSN 2621-7465

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Abstract

This study aims to analyze the influence of perception of convenience, benefits, risks, customer value, hedonism motivation, and trust of food and beverage (FNB) Micro Business Actors in Malang City in Using Sharia Bank Mobile Banking. The approach used is quantitative research with a sampling technique using purposive sampling by distributing questionnaires to 150 respondents of FnB Micro Business actors who use Mobile Banking services. Data analysis was carried out using multiple linear regression to test the influence of each independent variable on the decision to use Mobile Banking. The results of the study indicate that the variables of perception of convenience, customer value, and trust have a significant effect on the use of Mobile Banking, while usefulness, risk perception and hedonism motivation do not have a significant effect.

Item Type:	Journal Article
Keywords:	Mobile Banking, Sharia Bank, MSMEs, Perception of Convenience, Utility, Trust.
Subjects:	15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1503 Business and Management > 150304 Entrepreneurship 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1505 Marketing > 150501 Consumer-Oriented Product or Service Development
Divisions:	Faculty of Economics > Department of Islamic Banking
Depositing User:	Nihayatu Aslamatis Solekah
Date Deposited:	30 Dec 2025 14:14

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