Factors Influencing Choice of Islamic Digital Banking: Opportunity or Challenge for the Islamic Finance Industry?
DOI:
https://doi.org/10.14421/jiecem.2022.3.1.1865Abstract
Purpose - This study aims to test the TAM model to determine people's perceptions of digital banking. Although empirical research has been conducted on the introduction of digital banking, this is still minimal in the Islamic banking context, as the use of digital banking in Islamic banks is still new.
Design/methodology –This study is descriptive and quantitative using survey methods to measure an individual's perception of digital banking in Islamic banks. The survey contains closed and open-ended questions to measure the perception of mobile banking users based on the Technology Acceptance Model (TAM). This survey uses a voluntary survey of respondents scattered across different cities in Indonesia. Data analysis uses SEMPLS 7.0 and SPSS23.
Findings -
Originality - In addition to testing the TAM digital banking model of the original Islamic bank, this study also examines the potential for new variables that emerge from customer perceptions and uses the data to create new unique to Shariah's recruitment-based banks. We propose variables / models according to the technology. We will also consider obstacles to the introduction of digital banking by Islamic banks.
Downloads
Abstract viewed: 322 times
|
PDF downloaded = 152 times
References
Bashir, I. dan Madhavaiah, C. (2015). Consumer attitude and behavioural intention towards internet banking adoption in India. Journal of Indian Business Research. 7 (1) pp.01-40.
Cooper, D. R., dan Schindler, P. S. (2011). Business Research Methods, Eleventh Edition. New York, NY: McGraw Hill.
Chuang, Li-Min, Chun-Chu Liu, dan Hsiao-Kuang Kao. (2016). The Adoption of Fintech Service: TAM perspective. International Journal of Management and Administrative Sciences, 3 (7), pp.01-15
Davis, F.D. (1986). A Technology Acceptance Model for Empirically Testing New End-User Information System: Theory and Results, Doctoral Dissertation, Sloan School of Management, Massachusetts Institute of Technology, Cambridge, MA.
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS quarterly, 13, (3), pp.319-340.
Hu, J. Paul, Patrick Y.K. Chau, Olivia R. Liu Sheng, dan Kar Yan Tam. (1999). Examining the Technology Acceptance Model Using Physician Acceptance of Telemedicine Technology. Journal of Management Information Systems, 16 (2), pp.91-112.
Gasser, U., Gassmann, O., Hens, T., Leifer, L. Puschmann, T. dan Zhao, L. (2017). Digital Banking 2025.
Gefen, D. Elena, K., dan Detmar, W. (2003). Trust and TAM in Online Shopping: An Integrated Model. MIS Quarterly, 27 (1), pp.51-90.
Igbaria, M., Guimaraes, T., dan Davis, G. B. (1995). Testing the Determinants of Microcomputer Usage Via a Structural Equation Model. Journal of Management Information Systems, 11(4), pp. 87-114.
Ito, J., Narula, N., dan Ali, R. (2017). The Blockchain Will Do to the Financial System What the Internet Did to Media. Harvard Business Review, Digital Article. Retrieved from https://hbr.org/2017/03/the-blockchain-will-do-to-banks-and-law-firms-what-the internet-did-to-media.
Internet World Stats. (2017). Internet Usage Statistic.
Jung, Young Hoon, Gun Kim, & Choong C. Lee. (2015). Factors Influencing User Satisfaction and Continuous Usage Intention on Mobile Credit Card: Based on Innovation Diffusion Theory and Post Acceptance Model. The Journal of Society, 20 (3), pp.11-28.
Mann, B.J.S. dan Sahni, L.S. (2012). Profiling adopter categories of internet banking in India: an empirical study. Vision: The Journal of Business Perspective. 16 (4), pp.283-295.
Mansour, I.H. Abdelgadir, A.M. dan Abdullah. M.A. (2016). Consumer attitude toward e-banking services in Islamic banks: the case of Sudan. Review of International Business and Strategy. 28 (2). Pp.1-27.
Mathieson, K. (1991). Predicting User Intention: Comparing The Technology Acceptance Model with Theory Of Planned Behavior. Infirmation Systems Research, 2 (3), 173-191.
Moore, G. C. dan Benbasat, I. (1991). Development of an Instrument to Measure the Perceptions of Adopting an Information Technology Innovation. Information Systems Research, 2 (3), pp.192-222.
Nam, Kiheung, Zoonky Lee, dan Bong Gyou Lee. (2016). How Internet has Reshaped the User Experience of Banking Service?. KSII Transactions On Internet And Information Systems, 10 (2), pp.684-702.
Nguyen, T.P. dan Dang, T.L.P. (2018). Digital banking in Vietnam current situation and recommendations. International Journal of Innovation and Research in Educational Sciences. 5 (4), pp.2349-5219.
Shipps, Belinda dan Brandis Phillips. (2012). Social Networks, Interactivity and Satisfaction: Assessing Socio-Technical Behavioral Factors as an Extension to Technology Acceptance. Journal of Theoretical and Applied Electronic Commerce Research, 8 (1), 35-52.
Svendsen, G.B., Johnsen, J. K., Sorensen, L. A., dan Vitterso, J. (2013). Personality and Technology Acceptance: the Influence of Personality Factors on the Core Constructs of the Technology Acceptance Model. Behaviour & Information Technology, 32 (4), pp.323- 334.
Wewege, L. (2017). The Digital Banking Revolution: How Financial Technology Companies Are Rapidly TRANSFORMING Retail Banking. Book Baby.
Wixom, Barbara H. & Peter A. Todd. (2005). A Theorical Integration of User Satisfaction and Technology Acceptance. Informaton System Research, 16 (1), pp.85-102.
Downloads
Published
Issue
Section
License
Copyright (c) 2023 Alex Fahrur Riza, Akhmad Yusuf Khoiruddin, Muhammad Hanif Ibrahim
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
