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April 23, 2025
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December 30, 2024
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Abstract
This research aims to determine the factors that influence the intention to use Islamic mobile banking using the UTAUT (Unified Theory of Acceptance and Use of Technology). This research method uses a quantitative survey approach. The population in this study were all people in Bengkulu Province who used Islamic mobile banking. The sample used in this study was 235 respondents with the data collection method using a questionnaire. Data analysis techniques using structural equation modelling-partial Least Square (SEMPLS) analysis. The results showed that the variables of performance expectancy, effort expectancy and social influence had an effect on customer behavioural intentions in using Islamic mobile banking. In addition, the Trust variable that moderates behaviour intention on actual use also shows a significant effect on behaviour intention. This implies the need for attention from Islamic banking in Bengkulu to continue to develop applications both from benefits and other aspects, so that Islamic banking customers in Bengkulu will continue to increase.
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Copyright (c) 2025 Adam Mulia, Effed Darta Hadi
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
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Analysis of Service Usage Sharia Mobile Banking in The Province of Bengkulu. (2024). The Manager Review, 6(2), 87–96. https://doi.org/10.33369/tmr.v6i2.41262
References
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Abbas, Moeh Yafie. 2018. “Public Private Partnership Dalam Pembangunan Dan Pengelolaan Suncity Plaza Sidoarjo (Model Perjanjian Build Operate Transfer (BOT) Antara Pemerintah Kabupaten Sidoarjo Dengan PT. Indraco).” Jurnal Ilmu Administrasi Negara, Departemen Admnistrasi, FISIP, Universitas Airlangga 2(3): 1–9.
Abbas, D. (2018). Pengaruh Modal Usaha, Orientasi Pasar, Dan Orientasi Kewirausahaan Terhadap Kinerja UKM Kota Makassar. Jurnal Manajemen, Ide, Inspirasi (MINDS) Vol.5, No. 1.
Adimarwan, A. Karim. 2011. Bank Islam “Analisa Fiqih dan Keuangan”. Jakarta: PT. Rajagrafindo Persada
Ahdiat, A. (2023). Transaksi digital banking capai Rp5,1 kuadriliun pada Agustus 2023. Katadata. Retrieved from https://databoks.katadata.co.id
Amin, H. (2007). An analysis of mobile credit card usage intentions: An extension of the technology acceptance model. International Journal of Business and Society, 8(2), 43-53.
Ajzen, I. (1991). The Theory of Planned Behavior. ORGANIZATIONAL BEHAVIOR AND HUMAN DECISION PROCESSES, 50, 179–211.
Ajzen, I., & Fishbein, M. (2010). Predicting Changing Behavior. In Taylor & Francis Group.
Alalwan, A. A., Baabdullah, A. M., Rana, N. P., Tamilmani, K., & Dwivedi, Y. K. (2018). Examining adoption of mobile internet in Saudi Arabia: Extending TAM with perceived enjoyment, innovativeness and trust. Technology in Society, 55, 100–110. https://doi.org/10.1016/j.techsoc.2018.06.007
Alfansi, L., & Daulay, M. Y. I. (2021). Factor affecting the use of e-money in millennial generation: Research model UTAUT 2. Jurnal Manajemen Dan Pemasaran Jasa, 14(1), 109–122. https://doi.org/10.25105/jmpj.v14i1.8212
Anyfantaki, S. (2016). The Evolution of Financial Technology (FINTECH). December 2016.
Ayaz, A., & Yanartaş, M. (2020). An analysis on the unified theory of acceptance and use of technology theory (UTAUT): Acceptance of electronic document management system (EDMS). Computers in Human Behavior Reports, 2(October). https://doi.org/10.1016/j.chbr.2020.100032
Anderson, K.C., Knight, D.K., Pookulangara, S., Josiam, B., 2014. Influence of hedonic and utilitarian motivations on retailer loyalty and purchase intention: a Facebook perspective. J. Retailing Consum. Serv. 21 (5), 773–779
Carter, L., & Belanger, F. (2004). The Influence of Perceived Characteristics of Innovating on e-Government Adoption. Electronic Journal of E Government.
Chong, B. S., dan Liu, M.-H. 2009. Islamic Banking: Interest-Free or InterestBased? . Pacific-Basin Finance Journal, 17: 125-144.
Darmansyah, D. H. O. (2022). SIARAN PERS : SURVEI NASIONAL LITERASI DAN INKLUSI KEUANGAN TAHUN 2022. https://ojk.go.id/id/berita-dankegiatan/siaran-pers/Pages/Survei-Nasional-Literasi-dan-Inklusi-KeuanganTahun-2022.aspx
Davis, F. D. Bagozzi, R. P. and Warshaw, P. R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35(8), 982-1003
Davis, F. D., Bagozzi, R. P., and Warshaw, P. R. (1992). Extrinsic and intrinsic motivation to use computers in the workplace. Journal of Applied Social Psychology, 22(14), 1111- 1132
Delone, W. & McLean, E. (2003) Model Of Information Systems Success: A TenYear Update. Journal Of Management Information Systems, 19, 10-15.
Dusuki, A.W. & Abdullah, N.I. 2007. “Why Do Malaysian CustomersPatronise Islamic Banks.” International Journal of Bank Marketing.
Farah, M. F., Hasni, M. J. S., & Abbas, A. K. (2018). Mobile-banking adoption: empirical evidence from the banking sector in Pakistan. International Journal of Bank Marketing, 36(7), 1386–1413. https://doi.org/10.1108/IJBM-10-2017-0215
Fares, F., Mashagba, A., & Othman Nassar, M. (2012). Modified UTAUT Model to Study the Factors Affecting the Adoption of Mobile Banking in Jordan. International Journal of Sciences: Basic and Applied Research (IJSBAR) International Journal of Sciences: Basic and Applied Research, 6(1), 83–94. http://gssrr.org/index.php?journal=JournalOfBasicAndApplied
Garson, G. D. (2016). Partial least squares: Regression & structural equation models. Statistical Publishing Associates.
Goh, T. T., Suki, N. M., & Fam, K. (2014). Exploring a consumption value model for Islamic mobile banking adoption. Journal of Islamic Marketing, 5(3), 344–365. https://doi.org/10.1108/JIMA-08-2013-0056
Gupta, K., & Arora, N. (2020). Investigating consumer intention to accept mobile payment systems through unified theory of acceptance model: An Indian perspective. South Asian Journal of Business Studies, 9(1), 88–114. https://doi.org/10.1108/SAJBS-03-2019-0037
Gupta. P.K. Manrai. R. and Goek.U. (2019), “Factors influencing adoption of payments banks by Indian customers: Extending UTAUT with perceived credibility”, journal Of Asia Business Studies, https://doi.org/10.1108/JABS-07-20170111
Ghozali, Imam. 2012. Aplikasi Analisis Multivariate dengan Program IBM SPSS. Yogyakarta: Universitas Diponegoro
Ghozali, I. (2014). Structrural equation modeling metode alternatif dengan PLS. Semarang: Universitas Diponegoro. Ghozali, I., & Latan, H. (2015). Partial least squares: Konsep, teknik, dan aplikasi menggunakan program smart PLS 3.0 (2nd ed.)
Ghozali, I., & Latan, H. (2015). Partial least squares: Konsep, teknik, dan aplikasi menggunakan program smart PLS 3.0 (2nd ed.). Semarang: Universitas Dipone-goro Semarang
Goodhue, D.I dan Thompson. R. L. 1995. “Task –Technology and
IndividualPerformance”. Mis Quarterly, Juni 213-236.
Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2010). Multivariate data analysis (7th ed.). Pearson Prentice Hall.
Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2013). A primer on partial least squares structural equation modeling (PLS-SEM). SAGE Publications.
Hair, Joseph F.,G. Tomas M. Hult., Christian M. Ringle., and Marko Sarstedt. 2017. A Primer on Partial Least Squares Structural Equation Modelling (PLS-SEM). 2e Edition USA: Sage.
Haryono, S., Brahmana, R. K. M. R., Pemasaran, P. M., Petra, U. K., & Siwalankerto, J. (2015). PENGARUH SHOPPING ORIENTATION , SOCIAL INFLUENCE , DAN SYSTEM TERHADAP COSTUMER ATTITUDE MELALUI PERCEIVED EASE of
USE ( Studi pada Apple Store ). 3(1), 1–10.
References
Abbas, Moeh Yafie. 2018. “Public Private Partnership Dalam Pembangunan Dan Pengelolaan Suncity Plaza Sidoarjo (Model Perjanjian Build Operate Transfer (BOT) Antara Pemerintah Kabupaten Sidoarjo Dengan PT. Indraco).” Jurnal Ilmu Administrasi Negara, Departemen Admnistrasi, FISIP, Universitas Airlangga 2(3): 1–9.
Abbas, D. (2018). Pengaruh Modal Usaha, Orientasi Pasar, Dan Orientasi Kewirausahaan Terhadap Kinerja UKM Kota Makassar. Jurnal Manajemen, Ide, Inspirasi (MINDS) Vol.5, No. 1.
Adimarwan, A. Karim. 2011. Bank Islam “Analisa Fiqih dan Keuangan”. Jakarta: PT. Rajagrafindo Persada
Ahdiat, A. (2023). Transaksi digital banking capai Rp5,1 kuadriliun pada Agustus 2023. Katadata. Retrieved from https://databoks.katadata.co.id
Amin, H. (2007). An analysis of mobile credit card usage intentions: An extension of the technology acceptance model. International Journal of Business and Society, 8(2), 43-53.
Ajzen, I. (1991). The Theory of Planned Behavior. ORGANIZATIONAL BEHAVIOR AND HUMAN DECISION PROCESSES, 50, 179–211.
Ajzen, I., & Fishbein, M. (2010). Predicting Changing Behavior. In Taylor & Francis Group.
Alalwan, A. A., Baabdullah, A. M., Rana, N. P., Tamilmani, K., & Dwivedi, Y. K. (2018). Examining adoption of mobile internet in Saudi Arabia: Extending TAM with perceived enjoyment, innovativeness and trust. Technology in Society, 55, 100–110. https://doi.org/10.1016/j.techsoc.2018.06.007
Alfansi, L., & Daulay, M. Y. I. (2021). Factor affecting the use of e-money in millennial generation: Research model UTAUT 2. Jurnal Manajemen Dan Pemasaran Jasa, 14(1), 109–122. https://doi.org/10.25105/jmpj.v14i1.8212
Anyfantaki, S. (2016). The Evolution of Financial Technology (FINTECH). December 2016.
Ayaz, A., & Yanartaş, M. (2020). An analysis on the unified theory of acceptance and use of technology theory (UTAUT): Acceptance of electronic document management system (EDMS). Computers in Human Behavior Reports, 2(October). https://doi.org/10.1016/j.chbr.2020.100032
Anderson, K.C., Knight, D.K., Pookulangara, S., Josiam, B., 2014. Influence of hedonic and utilitarian motivations on retailer loyalty and purchase intention: a Facebook perspective. J. Retailing Consum. Serv. 21 (5), 773–779
Carter, L., & Belanger, F. (2004). The Influence of Perceived Characteristics of Innovating on e-Government Adoption. Electronic Journal of E Government.
Chong, B. S., dan Liu, M.-H. 2009. Islamic Banking: Interest-Free or InterestBased? . Pacific-Basin Finance Journal, 17: 125-144.
Darmansyah, D. H. O. (2022). SIARAN PERS : SURVEI NASIONAL LITERASI DAN INKLUSI KEUANGAN TAHUN 2022. https://ojk.go.id/id/berita-dankegiatan/siaran-pers/Pages/Survei-Nasional-Literasi-dan-Inklusi-KeuanganTahun-2022.aspx
Davis, F. D. Bagozzi, R. P. and Warshaw, P. R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35(8), 982-1003
Davis, F. D., Bagozzi, R. P., and Warshaw, P. R. (1992). Extrinsic and intrinsic motivation to use computers in the workplace. Journal of Applied Social Psychology, 22(14), 1111- 1132
Delone, W. & McLean, E. (2003) Model Of Information Systems Success: A TenYear Update. Journal Of Management Information Systems, 19, 10-15.
Dusuki, A.W. & Abdullah, N.I. 2007. “Why Do Malaysian CustomersPatronise Islamic Banks.” International Journal of Bank Marketing.
Farah, M. F., Hasni, M. J. S., & Abbas, A. K. (2018). Mobile-banking adoption: empirical evidence from the banking sector in Pakistan. International Journal of Bank Marketing, 36(7), 1386–1413. https://doi.org/10.1108/IJBM-10-2017-0215
Fares, F., Mashagba, A., & Othman Nassar, M. (2012). Modified UTAUT Model to Study the Factors Affecting the Adoption of Mobile Banking in Jordan. International Journal of Sciences: Basic and Applied Research (IJSBAR) International Journal of Sciences: Basic and Applied Research, 6(1), 83–94. http://gssrr.org/index.php?journal=JournalOfBasicAndApplied
Garson, G. D. (2016). Partial least squares: Regression & structural equation models. Statistical Publishing Associates.
Goh, T. T., Suki, N. M., & Fam, K. (2014). Exploring a consumption value model for Islamic mobile banking adoption. Journal of Islamic Marketing, 5(3), 344–365. https://doi.org/10.1108/JIMA-08-2013-0056
Gupta, K., & Arora, N. (2020). Investigating consumer intention to accept mobile payment systems through unified theory of acceptance model: An Indian perspective. South Asian Journal of Business Studies, 9(1), 88–114. https://doi.org/10.1108/SAJBS-03-2019-0037
Gupta. P.K. Manrai. R. and Goek.U. (2019), “Factors influencing adoption of payments banks by Indian customers: Extending UTAUT with perceived credibility”, journal Of Asia Business Studies, https://doi.org/10.1108/JABS-07-20170111
Ghozali, Imam. 2012. Aplikasi Analisis Multivariate dengan Program IBM SPSS. Yogyakarta: Universitas Diponegoro
Ghozali, I. (2014). Structrural equation modeling metode alternatif dengan PLS. Semarang: Universitas Diponegoro. Ghozali, I., & Latan, H. (2015). Partial least squares: Konsep, teknik, dan aplikasi menggunakan program smart PLS 3.0 (2nd ed.)
Ghozali, I., & Latan, H. (2015). Partial least squares: Konsep, teknik, dan aplikasi menggunakan program smart PLS 3.0 (2nd ed.). Semarang: Universitas Dipone-goro Semarang
Goodhue, D.I dan Thompson. R. L. 1995. “Task –Technology and
IndividualPerformance”. Mis Quarterly, Juni 213-236.
Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2010). Multivariate data analysis (7th ed.). Pearson Prentice Hall.
Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2013). A primer on partial least squares structural equation modeling (PLS-SEM). SAGE Publications.
Hair, Joseph F.,G. Tomas M. Hult., Christian M. Ringle., and Marko Sarstedt. 2017. A Primer on Partial Least Squares Structural Equation Modelling (PLS-SEM). 2e Edition USA: Sage.
Haryono, S., Brahmana, R. K. M. R., Pemasaran, P. M., Petra, U. K., & Siwalankerto, J. (2015). PENGARUH SHOPPING ORIENTATION , SOCIAL INFLUENCE , DAN SYSTEM TERHADAP COSTUMER ATTITUDE MELALUI PERCEIVED EASE of
USE ( Studi pada Apple Store ). 3(1), 1–10.
Abbas, D. (2018). Pengaruh Modal Usaha, Orientasi Pasar, Dan Orientasi Kewirausahaan Terhadap Kinerja UKM Kota Makassar. Jurnal Manajemen, Ide, Inspirasi (MINDS) Vol.5, No. 1.
Adimarwan, A. Karim. 2011. Bank Islam “Analisa Fiqih dan Keuangan”. Jakarta: PT. Rajagrafindo Persada
Ahdiat, A. (2023). Transaksi digital banking capai Rp5,1 kuadriliun pada Agustus 2023. Katadata. Retrieved from https://databoks.katadata.co.id
Amin, H. (2007). An analysis of mobile credit card usage intentions: An extension of the technology acceptance model. International Journal of Business and Society, 8(2), 43-53.
Ajzen, I. (1991). The Theory of Planned Behavior. ORGANIZATIONAL BEHAVIOR AND HUMAN DECISION PROCESSES, 50, 179–211.
Ajzen, I., & Fishbein, M. (2010). Predicting Changing Behavior. In Taylor & Francis Group.
Alalwan, A. A., Baabdullah, A. M., Rana, N. P., Tamilmani, K., & Dwivedi, Y. K. (2018). Examining adoption of mobile internet in Saudi Arabia: Extending TAM with perceived enjoyment, innovativeness and trust. Technology in Society, 55, 100–110. https://doi.org/10.1016/j.techsoc.2018.06.007
Alfansi, L., & Daulay, M. Y. I. (2021). Factor affecting the use of e-money in millennial generation: Research model UTAUT 2. Jurnal Manajemen Dan Pemasaran Jasa, 14(1), 109–122. https://doi.org/10.25105/jmpj.v14i1.8212
Anyfantaki, S. (2016). The Evolution of Financial Technology (FINTECH). December 2016.
Ayaz, A., & Yanartaş, M. (2020). An analysis on the unified theory of acceptance and use of technology theory (UTAUT): Acceptance of electronic document management system (EDMS). Computers in Human Behavior Reports, 2(October). https://doi.org/10.1016/j.chbr.2020.100032
Anderson, K.C., Knight, D.K., Pookulangara, S., Josiam, B., 2014. Influence of hedonic and utilitarian motivations on retailer loyalty and purchase intention: a Facebook perspective. J. Retailing Consum. Serv. 21 (5), 773–779
Carter, L., & Belanger, F. (2004). The Influence of Perceived Characteristics of Innovating on e-Government Adoption. Electronic Journal of E Government.
Chong, B. S., dan Liu, M.-H. 2009. Islamic Banking: Interest-Free or InterestBased? . Pacific-Basin Finance Journal, 17: 125-144.
Darmansyah, D. H. O. (2022). SIARAN PERS : SURVEI NASIONAL LITERASI DAN INKLUSI KEUANGAN TAHUN 2022. https://ojk.go.id/id/berita-dankegiatan/siaran-pers/Pages/Survei-Nasional-Literasi-dan-Inklusi-KeuanganTahun-2022.aspx
Davis, F. D. Bagozzi, R. P. and Warshaw, P. R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35(8), 982-1003
Davis, F. D., Bagozzi, R. P., and Warshaw, P. R. (1992). Extrinsic and intrinsic motivation to use computers in the workplace. Journal of Applied Social Psychology, 22(14), 1111- 1132
Delone, W. & McLean, E. (2003) Model Of Information Systems Success: A TenYear Update. Journal Of Management Information Systems, 19, 10-15.
Dusuki, A.W. & Abdullah, N.I. 2007. “Why Do Malaysian CustomersPatronise Islamic Banks.” International Journal of Bank Marketing.
Farah, M. F., Hasni, M. J. S., & Abbas, A. K. (2018). Mobile-banking adoption: empirical evidence from the banking sector in Pakistan. International Journal of Bank Marketing, 36(7), 1386–1413. https://doi.org/10.1108/IJBM-10-2017-0215
Fares, F., Mashagba, A., & Othman Nassar, M. (2012). Modified UTAUT Model to Study the Factors Affecting the Adoption of Mobile Banking in Jordan. International Journal of Sciences: Basic and Applied Research (IJSBAR) International Journal of Sciences: Basic and Applied Research, 6(1), 83–94. http://gssrr.org/index.php?journal=JournalOfBasicAndApplied
Garson, G. D. (2016). Partial least squares: Regression & structural equation models. Statistical Publishing Associates.
Goh, T. T., Suki, N. M., & Fam, K. (2014). Exploring a consumption value model for Islamic mobile banking adoption. Journal of Islamic Marketing, 5(3), 344–365. https://doi.org/10.1108/JIMA-08-2013-0056
Gupta, K., & Arora, N. (2020). Investigating consumer intention to accept mobile payment systems through unified theory of acceptance model: An Indian perspective. South Asian Journal of Business Studies, 9(1), 88–114. https://doi.org/10.1108/SAJBS-03-2019-0037
Gupta. P.K. Manrai. R. and Goek.U. (2019), “Factors influencing adoption of payments banks by Indian customers: Extending UTAUT with perceived credibility”, journal Of Asia Business Studies, https://doi.org/10.1108/JABS-07-20170111
Ghozali, Imam. 2012. Aplikasi Analisis Multivariate dengan Program IBM SPSS. Yogyakarta: Universitas Diponegoro
Ghozali, I. (2014). Structrural equation modeling metode alternatif dengan PLS. Semarang: Universitas Diponegoro. Ghozali, I., & Latan, H. (2015). Partial least squares: Konsep, teknik, dan aplikasi menggunakan program smart PLS 3.0 (2nd ed.)
Ghozali, I., & Latan, H. (2015). Partial least squares: Konsep, teknik, dan aplikasi menggunakan program smart PLS 3.0 (2nd ed.). Semarang: Universitas Dipone-goro Semarang
Goodhue, D.I dan Thompson. R. L. 1995. “Task –Technology and
IndividualPerformance”. Mis Quarterly, Juni 213-236.
Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2010). Multivariate data analysis (7th ed.). Pearson Prentice Hall.
Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2013). A primer on partial least squares structural equation modeling (PLS-SEM). SAGE Publications.
Hair, Joseph F.,G. Tomas M. Hult., Christian M. Ringle., and Marko Sarstedt. 2017. A Primer on Partial Least Squares Structural Equation Modelling (PLS-SEM). 2e Edition USA: Sage.
Haryono, S., Brahmana, R. K. M. R., Pemasaran, P. M., Petra, U. K., & Siwalankerto, J. (2015). PENGARUH SHOPPING ORIENTATION , SOCIAL INFLUENCE , DAN SYSTEM TERHADAP COSTUMER ATTITUDE MELALUI PERCEIVED EASE of
USE ( Studi pada Apple Store ). 3(1), 1–10.