Analysis Of Factors Influencing The Intention To Use Bank Syariah Indonesia Mobile Banking With Trust As Mediation

Abstract

This research is motivated by the problems that occur around students on Campus that they have a bank account in Bank Syariah Indonesia (BSI), but they have not mobile banking. This study has three independent variables, one dependent variable, and one mediating variable. This study investigates how perceived convenience, availability of Islamic features and risk perception are on intention-to-use BSI mobile banking with trust as the mediating variable. The grand theory of this study is the Technology Acceptance Model (TAM). The population is 3,650 students of the Islamic Business and Economics Faculty of IAIN Salatiga. The sample was taken by distributing questionnaires through purposive sampling technique. A criterion had been determined previously and was calculated using the Slovin formula so that the number of samples was 360 samples. The data was processed with IBM SPSS 23 and then analyzed using instrument tests, hypothesis testing, classical assumption tests, and path analysis. The first (partial) t-test shows that the perceived convenience variable and the availability of Islamic features have a significant positive effect on trustworthiness. In contrast, risk perception has a significant negative effect on trustworthiness. The second t-test results show the same results as the previous t-test for the intention-to-use BSI mobile banking. The path analysis results also show that the trust variable can mediate the perceived convenience, the availability of Islamic features, and the risk perception of the intention to use BSI mobile banking.

The role of trust in mediation the effect of perception of ease of use and perception of usefulness on intention to re-using the mobile banking service

“…The results showed that trust was able to mediate with positive results and a significant relationship between perceived ease of use and intention to use. The results of this study are also consistent with research conducted by Mustika & Puspita (2020), who found that the convenience felt by customers in mobile banking services increase trust, thereby increasing intention to use the service. ease of intention to use positively and significantly.…”

“…His research also reveals that trust can be a major mediating construct for studying behavioral intentions. In the research of Singh & Sinha (2019);Al-Sharafi et al (2017); Mustika & Puspita (2020); Akbari et al (2020), found that trust mediates positively and significantly the effect of perceived ease of use on intention to use, and research conducted by Al-Sharafi et al (2017); Iqbal et al (2018); Chawla & Joshi (2019); Akbari et al (2020), found that trust mediates positively and significantly the effect of perceived usefulness on intention to use. Al-Sharafi et al (2017), conducted research related to the use of online banking services, with the variables of perceived ease of use, perceived usefulness and trustworthiness, the results of his research stating that perceived ease of use and perceived usefulness have a role in increasing trust, this is in line with the research of Akbari et al (2020).…”

Banking Digitalization through Self-Service Technology toward Customer Behavior at Bank Syariah Indonesia (BSI) Yogyakarta City

“…Given the rapid pace of technology and information within the Indonesian community, banking companies must step in to navigate the changes. Indonesians mostly prefer things that are instant, require minimal time, and are accompanied by quick, affordable, and reliable services (Mustika & Puspita, 2021). However, many customers consider the risk factors associated with the presence of digital banking.…”

“…However, specifically in Islamic banking, in this case, Bank Syariah Indonesia, it is not deeply understood. According to Utama (2021), the use of digital Islamic banking in Indonesia is not yet optimal. The low level of inclusiveness of sharia finance in Indonesia compared to conventional finance indicates that many Indonesians still prefer to access conventional banking services (Sukmawati et al, 2021).…”