This study investigates what factors persuade consumers to purchase e-money via syariah m-banking applications. Researchers extended the Unified Theory of Acceptance and Use of Technology (UTAUT 2) to find new information as well as to accommodate the limitations and discussions of previous studies. A purposive sampling technique was adapted to select respondent criteria. The collected data from 120 respondents were analyzed using Partial Least Square Structural Equation Modeling (PLS-SEM), supported by WarpPLS 8.0, through three main stages of analysis: measurement model, structural model, and hypothesis testing. Additional analysis was undertaken to produce robust findings by explaining multicollinearity, common method bias, and multigroup analysis by categorizing two groups of respondents (male and female). Researchers found that only social influence and hedonic motivation have a significant effect on trust from the UTAUT 2 model. On the other hand, two exogenous constructs in the mobile service quality model proved to have a significant effect on trust, security (privacy), and practicality. Furthermore, the research showed that trust is a fundamental factor in influencing continuance intention because it produces the largest effect size (f-square) and significant path coefficient value. The findings should encourage all Islamic banking stakeholders and practitioners to increase individual trust by creating educational and innovative programs connected with consuming digital banking services, especially  e-money purchases.

This study aims to determine the effect of debt policy (DER) and dividend policy (DPR) partially and simultaneously on firm value (PBV) listed on the LQ 45 index of the Indonesian stock exchange for the 2015-2019 period. The data used is secondary data, based on financial statements on the Indonesian stock exchange. The data analysis in this study is multiple regression analysis, using normality test, multicollinearity, heteroscedasticity test, t test, f test, and coefficient of determination test through SPSS. The results of this study indicate that partially debt policy has no effect on firm value with a t value of -0.389 with a significance of 0.698 > 0.5 (0.000 < 0.05), dividend policy proxied by the DPR has a positive and significant effect on firm value. proxied by PBV with a t-count value of 3.343 and a significance <0.05. Meanwhile, simultaneous hypothesis testing has a positive and significant effect on firm value, this is indicated by the calculated F value of 5.825 and a significance value of 0.04 which is <0.05. The value of R2 in this study is 0.070, this indicates that the firm value is influenced by debt policy and dividend policy by 7% while the remaining 93% is influenced by variables outside this study.