Summary: Islamic mobile banking in Indonesia has gained significant traction due to the country’s large Muslim population and adherence to Sharia principles, with its growth rate outpacing conventional banking. A survey of 1,162 users highlights key factors influencing adoption: perceived usefulness (58%), ease of use (55%), positive attitudes (44%), perceived behavioral control (50%), subjective norms (46%), and Sharia compliance (36%). These factors reflect both internal motivations, such as confidence and satisfaction, and external influences, including societal pressure and adherence to Islamic values. To maximize adoption, banks should strategically enhance user trust, improve usability, and align services with Islamic principles, supporting broader acceptance and sustained growth
In the digital era, banks have provided many innovations to improve service quality, including relying on the Internet. One aspect of services that use the Internet is mobile banking. Currently, mobile banking has become increasingly popular in recent years. Almost all banks have implemented digital applications, such as mobile banking, to keep up with these technological developments. Customers of banks can use mobile banking to conduct financial transactions using their devices without physically visiting the bank. Clients can access mobile banking services by utilizing features that are already present in applications they download and install. Services provided in the mobile banking application include transfers, bill payments (for utilities, water, and health insurance), and a variety of other features find it to be relatively easy.
Banks that applied Islamic rule also provide their services via mobile phones, called Islamic mobile banking. In Indonesia, The development of Islamic mobile banking has a great deal of potential due to the country's large Muslim population. The data from the Ministry of Finance of the Republic of Indonesia in 2023 reported that the growth rate of Islamic bank financing was 17.41 percent, which was higher than the 15.63 percent growth rate in 2022. We need to understand that user behavior plays an essential role in increasing this growth percentage because the usage of Islamic mobile banking in the financial industry for…
