Determinants of consumer intentions toward islamic digital banking in Indonesia
Insights from the unified theory of acceptance and use of technology
DOI:
https://doi.org/10.20525/ijrbs.v14i4.4240Keywords:
Islamic digital banking, technology adoption, religiosity, social influence, UTAUTAbstract
The objective of this study was to explore the factors influencing the intention to use Islamic digital banking in Indonesia, focusing on the roles of performance expectancy, effort expectancy, social influence, facilitating conditions, habit, hedonic motivation, price value, and religiosity. Data were collected from a sample of 434 respondents in January 2024 through an online survey. The study utilized a research model based on the Unified Theory of Acceptance and Use of Technology (UTAUT) framework. The data were analyzed using structural equation modeling (SEM). The results indicate that effort expectancy, social influence, habit, price value, and religiosity significantly affect the behavioral intention to use Islamic digital banking, while performance expectancy, facilitating conditions, and hedonic motivation did not show significant effects. These findings highlight the importance of religious and ethical considerations, ease of use, and social factors in shaping the adoption of Islamic digital banking services. The study offers valuable insights for practitioners and policymakers, emphasizing the need for tailored strategies that promote the use of Islamic digital banking in Indonesia.
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