Email this article 
Intention to Use Islamic Mobile Banking: Integration of Technology Acceptance Model and Theory of Planned Behavior with Trust
Abstract
This study intended to examine the variables influencing the interest in mobile banking at three Islamic banks in Yogyakarta, namely BSI, Mualamat, and BCA Syariah. The quantitative method was employed, alongside the integration of the TAM and TPB approaches with trust. Sampling was conducted using the purposive method, with questionnaires as the data collection technique. A total of 118 Yogyakarta Islamic mobile banking customers and users constituted the respondents. The data were analyzed with Warp PLS 6.0 analysis tool using the Multivariate SEM-PLS method. Subsequently, the SEM-PLS analysis results showed a high level of interest in Islamic mobile banking by customers. Islamic mobile banking simplifies financial transactions and boosts efficiency and productivity. The results of this study are anticipated to increase the standard of mobile banking services and customer service.
Keywords
Full Text:
PDFReferences
Ahluwalia, P., & Varshney, U. (2009). Composite Quality of Service and Decision Making Perspectives in Wireless Networks. Decision Support Systems, 33(2), 370–378.
Alalwan, A. A., Dwivedi, Y. K., Rana, N. P., & Williams, M. D. (2016). Consumer Adoption of Mobile Banking in Jordan: Examining the Role of Usefulness, Ease of Use, Perceived Risk and Self-efficacy. Journal of Enterprise Information Management, 29(1), 118–139.
Andriandi, & Peniarsih. (2018).Analisis Determinan Sistem Informasi E-Ticketing. Journal of Information System, Applied, Management, Accounting and Research, 2(3), 40–52.
Arthana, Y. W., & Rukhviyanti, N. (2015). Pengaruh Minat Individu Terhadap Penggunaan Mobile Banking (M-Banking): Model Kombinasi Technology Acceptance Model (TAM) dan Theory of Planned Behavior (TPB). Jurnal Informasi, VII(1), 25–44.
Bangkara, R. P., & Mimba, N. P. S. H. (2016). Pengaruh Perceived Usefulness dan Perceived Ease of Use pada Minat Penggunaan Internet Banking dengan Attitude Toward Using Sebagai Variabel Intervening. E-Jurnal Akuntansi Universitas Udayana, 16(3), 2408–2434.
Barnes, S., & Corbitt, B. (2003). Perbankan Seluler: Konsep dan Potensi. Jurnal Internasional Komunikasi Seluler, 1(3), 273–288.
Caroline, C. C. (2021). Analisis Faktor-Faktor yang Mempengaruhi Minat Nasabah Menggunakan M-Banking Berdasarkan Teori TAM. Keunis, 9(2), 160. https://doi.org/10.32497/keunis.v9i2.2819.
Chen, M.-C., Chen, S.-S., Yeh, H.-M., & Tsaur, W.-G. (2016). The Key Factors Influencing Internet Finances Services Satisfaction: An Empirical Study in Taiwan. American Journal of Industrial and Business Management, 6(6), 748–762.
Chin, A. G., Harris, M. A., & Brookshire, R. (2020). An Empirical Investigation of Intent to Adopt Mobile Payment Systems Using a Trust-based Extended Valence Framework. Information Systems Frontiers, 24(1), 329–347. https://doi.org/10.1007/s10796-020-10080-x.
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319–340. https://doi.org/https://doi.Org/10.2307/249008.
Decoding The Economics of COVID-19. (2020). Infographics- Decoding the Economics of COVID-19. Https://dcodeefc.com/infographics.
Fatmasari, D., & Wulandari, S. (2016). Analisis Faktor-Faktor yang Mempengaruhi Minat Mahasiswa dalam Penggunaan APMK. Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah, 4(1), 88–100.
Hair, J. F., Hult, G. T., Ringle, C., & Sarstedt, M. (2017). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM). 2nd Edition, Sage Publications Inc., Thousand Oaks, CA.
Idris, I., & Kasmo, A. B. P. (2017). Pengaruh Sikap, Norma Subjektif dan Persepsi Kontrol Perilaku terhadap Minat Kepemilikan Kartu Kredit. Jurnal Manajemen Bisnis Indonesia, 4(3), 306–332. https://doi.org/
31843/jmbi.v4i3.126.
IMF. (2020). Digital Financial Services and the Pandemic: Opportunities and Risks for Emerging and Developing Economies. https://www.imf.org/media/Files/Publications/Covid19-special-notes/en-special-series-on-covid-19-digital-financial-services-andthe-pandemic.ashx.
Indrayana, B., Seminar, K. B., & Sartono, B. (2016). Faktor Penentu Minat Penggunaan Instagram untuk Pembelian Online Menggunakan Technology Acceptance Model (TAM) dan Theory of Planned Behavior (TPB). Jurnal Aplikasi Bisnis dan Manajemen, 2(2), 138–147. Https://doi.org/10.17358/jabm.2.2.138.
Jimantoro, C., & Tjondro, E. (2014). Analisis Niat Penggunaan E-Filing di Pt ??X? dan Pt?Y? Surabaya Dengan Structural Equation Modeling. Tax & Accounting Review, 4(2), 1–8.
Kurniawati, H. A., Winarno, W. A., & Arif, A. (2017). Analisis Minat Penggunaan Mobile Banking dengan Pendekatan Technology Acceptance Model (TAM) yang Telah Dimodifikasi. E-Journal Ekonomi Bisnis dan Akuntansi, 4(1), 24. https://doi.org/10.19184/ejeba.v4i1.4563.
Kwateng, K. O., Atiemo, K. A. O., & Appiah, C. (2019). Acceptance and use of mobile banking: An application of UTAUT2. Journal of Enterprise Information Management, 32, 118–152. https://doi.org/10.1108/JEIM-03-2018-0055.
Laksana, G. B., Astuti, E. S., & Dewantara, R. Y. (2015). Pengaruh Persepsi Kemanfaatan, Persepsi Kemudahan Penggunaan, Persepsi Risiko dan Persepsi Kesesuaian terhadap Minat Menggunakan Mobile Banking (Studi Pada Nasabah Bank Rakyat Indonesia Kantor Cabang Rembang, Jawa Tengah). Jurnal Administrasi Bisnis, 26(2), 1–8.
Lestari, B. A., Suharjo, B., & Muflikhati, I. (2017). Minat Kepemilikan Kartu Kredit (Studi Kasus Kota Bogor). Jurnal Aplikasi Bisnis dan Manajemen, 3(1), 143–151. https://doi.org/10.17358/jabm.3.1.143.
Makanyeza, C. (2017). Determinants of Consumers' Intention to Adopt Mobile Banking Services in Zimbabwe. International Journal of Bank Marketing, 35(6), 997–1017. https://doi.org/10.1108/IJBM-07-2016-0099.
Miftahuddin, M. (2019). Perbandingan Konsep Keuangan pada Bank Syariah dan Bank Konvensional. Journal of Education, Humaniora and Social Sciences (JEHSS), 2(2), 213–228. https://doi.org/10.34007/
jehss.v2i2.86.
Mufarih, M., Jayadi, R., & Sugandi, Y. (2020). Factors Influencing Customers to Use Digital Banking Application in Yogyakarta, Indonesia. Journal of Asian Finance, Economics and Business, 7(10), 897–908. https://doi.org/10.13106/jafeb.2020.vol7.no10.897.
Mujaddid, F., & Nugroho, P. T. A. (2019). Pengaruh Pengetahuan, Reputasi, Lingkungan dan Religiusitas terhadap Minat Pelajar Sekolah Menengah Kejuruan Prodi Perbankan Syariah dalam menabung di bank Syariah. Jurnal Ekonomi Islam, 10(1), 14–37.
Mukhtisar, M., Tarigan, I. R. R., & Evriyenni, E. (2021). Pengaruh Efisiensi, Keamanan dan Kemudahan terhadap Minat Nasabah Bertransaksi Menggunakan Mobile Banking (Studi Pada Nasabah Bank Syariah Mandiri Ulee Kareng Banda Aceh). Global Journal of Islamic Banking and Finance, 3(1), 56-72. http://dx.doi.org/10.22373/jihbiz.
v3i1.9632.
Nguyen, O. T. (2020). Factors Affecting the Intention to Use Digital Banking in Vietnam. Journal of Asian Finance, Economics and Business, 7(3), 303–310. https://doi.org/10.13106/jafeb.2020.vol7.no3.303.
Nguyen, P. N. D., Nguyen, V. T., & Vo, N. N. T. (2019). Key Determinants of Repurchase Intention toward Organic Cosmetics. Journal of Asian Finance, Economics and Business, 6(3), 205–214. https://doi.org/10.13106/jafeb.2019.vol6.no3.205.
Nurdin, N., Musyawarah, I., Nurfitriani, N., & Jalil, A. (2020). Pengaruh Pelayanan Mobile Banking Terhadap Kepuasan Nasabah (Studi Pada Mahasiswa Perbankan Syariah IAIN Palu). Jurnal Ilmu Perbankan Dan Keuangan Syariah, 2(1), 87–104. https://doi.org/10.24239/jipsya.
v2i1.24.87-104.
Obaid, T., & Aldammagh, Z. (2021). Predicting Mobile Banking Adoption: An Integration of TAM and TPB With Trust and Perceived Risk. SSRN Electronic Journal. https://doi.org/10.2139/ssrn.3761669.
Patil, P., Tamilmani, K., Rana, N. P., & Raghavan, V. (2020). Understanding Consumer Adoption of Mobile Payment in India: Extending Meta-UTAUT Model with Personal Innovativeness, Anxiety, Trust, and Grievance Redressal. International Journal of Information Management, 54(May), 102144. https://doi.org/10.1016/j.ijinfomgt.
102144.
Publikasi Kata Data, T. (2020). Transaksi Mobile Banking BRI Naik 61% di Masa Pandemi Covid-19. Tim Publikasi Katadata. https://katadata.co.id/timpublikasikatadata/berita/5eb0ed25c6680/transaksi-mobile-banking-bri-naik-61-di-masa-pandemi-covid-19.
Rachmawati, A. (2019). Faktor-Faktor yang Memengaruhi Minat Menggunakan Layanan Mobile Payment dalam Bertransaksi. Skripsi. Yogyakarta: Fakultas Ekonomi Universitas Islam Indonesia.
Rahayu, I. S. (2016). Minat Nasabah Menggunakan Mobile Banking dengan Menggunakan Kerangka Technology Acceptance Model (TAM). JESI (Jurnal Ekonomi Syariah Indonesia), 5(2), 137-150. http://dx.doi.org/10.21927/jesi.2015.5(2).137-150.
Rahmatika, U., & Fajar, M.A. (2019). Faktor - Faktor yang Mempengaruhi Minat Penggunaan Electronic Money: Integrasi Model TAM – TPB Dengan Perceived Risk. Nominal: Barometer Riset Akuntansi dan Manajemen, 8(2), 274–284. https://doi.org/10.21831/
Nominal.v8i2.26557.141
Ramadhan, R., & Herianingrum, S. (2017). Persepsi Kemudahan Penggunaan, Persepsi Kredibilitas, dan Persepsi Harga terhadap Niat Nasabah Menggunakan Layanan Mobile Banking (Studi Kasus pada Bank Syariah Mandiri Surabaya). Jurnal Ekonomi Syariah
Teori dan Terapan, 4(6), 478-492. https://doi.org/10.20473/
vol4iss20176pp478-492.
Rampen, D. E. C., & Sihotang, J. I. (2021). Analisis Penggunaan Layanan Mobile Banking terhadap Transaksi Pembayaran Menggunakan Metode Extended TAM. CogITo Smart Journal, 7(1), 85-95. Https://doi.org/10.31154/cogito.v7i1.303.85-95.
Rithmaya, C. L. (2016). Pengaruh Kemudahan Penggunaan, Kemanfaatan, Sikap, Risiko dan Fitur Layanan terhadap Minat Ulang Nasabah Bank BCA dalam Menggunakan Internet Banking. Jurnal Riset Ekonomi dan Manajemen, 16(1), 160. Https://doi.org/10.17970/
jrem.16.160110.id.
Rizky, N. (2018). Pengaruh Persepsi Kemudahan Penggunaan, Kepercayaan, dan Pengetahuan terhadap Minat Menggunakan E-Banking dalam Bertransaksi pada UMKM di Kecamatan Buleleng. JIMAT (Jurnal Ilmiah Mahasiswa Akuntansi) Universitas Pendidikan Ganesha, 9(2), 191–202.
Sadiyoko, A., Tesavrita, C., & Suhandi, I. (2009). Penggunaan Technology Acceptance Model Sebagai Dasar Usulan Perbaikan Fasilitas pada Layanan Mobile Internet. Simposium Nasional RAPI VIII 2009, 14–18.
Saibil, D. I., Sodik, F., & Mardiah,A.A. (2022). Factors Affecting the Intention of Using QRIS In Sharia Mobile Banking During Covid-19 Pandemic (Model Modification of Utaut 2). Jurnal Nisbah, 8(2), 76–92.
Sakdiyah, L., Effendi, R., & Kustono, A. S. (2019). Analisis Penerimaan Penggunaan ELearning dengan Pendekatan Theory of Planned Behavior (TPB) pada Mahasiswa Akuntansi Universitas Jember. E-Journal Ekonomi Bisnis dan Akuntansi, 6(1), 120–126. https://doi.org/
19184/ejeba.v6i2.11151.
Setyawati, R. E. (2020). Pengaruh Perceived Usefulness, Perceived Ease of Use terhadap behavioral Intention to Use Dengan Atittude towards Using Sebagai Variabel Intervening. Jurnal Ekobis Dewantara, 3(1), 39–51. https://doi.org/https://doi.org/10.26460/ed_en.v3i1.1470.
Shaikh, A., & Karjaluoto, H. (2015). Adopsi Perbankan Seluler: Sebuah Tinjauan Pustaka. Telematika dan Informatika, 32(1), 129–142.
Sholihin, M., & Ratmono, D. (2020). Analisis SEM-PLS dengan WarpPLS 7.0. Penerbit Andi.
Sodik, F., Zaida, A. N., & Zulmiati, K. (2022). Analisis Minat Penggunaan pada Fitur Pembelian Mobile Banking BSI: Pendekatan TAM dan TPB. Journal of Business Management and Islamic Banking, 1(1), 35–53.
Solikah, H. M., Mardani, R. M., & Wahono, B. (2017). Analisis Perbandingan Kinerja Keuangan Bank Umum Syariah dengan Bank Umum Konvensional di Indonesia (Studi Empiris Pada Perusahaan Perbankan di Bursa Efek Indonesia). Warta Ekonomi, 07(17), 64–77.
Tanjung, H., & Devi, A. (2013). Metodologi Penelitian Ekonomi Islam (2nd ed.). Gratama Publishing.
Taylor, S., Canada, O., & Todd, P.A. (1995). Understanding Information Technology Usage: A Test of Competing Models. INFORMS Stable, 6(2), 144–176. https://www.jstor.org/Stable/23011007.
Venkatesh, V., & Davis, F. D. (2000). A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies. Management Science, 46, 186–204.
Widanengsih, E. (2021). TechnologyAcceptance Model to Measure Customer's Interest to Use Mobile Banking. Journal of Industrial Engineering & Management Research, 2(1), 2722–8878.
Yulijanto, I., & Ariyanti, M. (2019). Analysis of Factor Affecting User Interest towards Use of Tcash QR Code. 1st International Conference on Economics, Business, Entrepreneurship, and Finance (ICEBEF 2018), 476–481. https://doi.org/10.2991/icebef-18.2019.103.
Zulkarnain, Z. K., & Alwie, A. F. (2018). Pengaruh Persepsi Manfaat, Persepsi Kemudahan, Sikap, Kontrol Perilaku, dan Norma Subyektif terhadap Minat Penggunaan Uang Elektronik pada Bank BUMN di Kota Pekanbaru. Jurnal Tepak Manajemen dan Bisnis, 10(3), 617–631.
DOI: https://doi.org/10.18326/muqtasid.v13i2.127-142
Refbacks
- There are currently no refbacks.
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
MUQTASID by http://muqtasid.iainsalatiga.ac.id/ is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
MUQTASID Jurnal Ekonomi dan Perbankan Syariah UIN SALATIGA p-ISSN: 2087-7013, e-ISSN: 2527-8304
