Pendapatan, Pendidikan, Persepsi Kemudahan, dan Sikap sebagai Mediasi terhadap Keputusan Penggunaan Mobile Banking Syari’ah

Abstract

The existence of Covid-19 which limited society to transact online has made an increment several islamic banks in users and the number of transactions. The aim of this study was to review test how the influence of income, education, and perceived ease of use through attitude against the usage decision of shari’a mobile banking. A Structural Equation Model (SEM) was used to analyze in this study with WarpPLS 7.0 approach. Respondent of this research was general public of Surabaya City. Sampling technique which used in this study was purposive sampling as many as 115 respondents. The result present that perceived ease of use is the most significant factor affecting usage decision and attitude towards mobile banking directly. For the indirect test, perceived ease of use is able to influence the usage decision through attitude. Education and income not significantly influence the usage decision and attitude towards mobile banking directly, neither indirectly.

What Determines Metropolitan Jakarta’s Muslim Intention to Use M-Banking?

“…Alalwan et al, (2016) from Jordan and (V. A. in Vietnam found that intention to use M-Banking is significantly influenced by the variable. Therefore, this study proposes the following hypotheses: H1: Perceived usefulness positively and significantly impact trust H2: Perceived usefulness positively and significantly impact intention to use M-Banking Perceived Ease of Use In the M-Banking context, perceived ease of use refers to consumers' belief that M-Banking can provide practical benefits as emphasized by Riptiono et al, (2021), Singh & Srivastava, (2016) and Salmah, (2021). As a crucial construct of TAM, the variable has been extensively investigated in several studies on M-Banking acceptance (Siyal et al, 2019;Zarnadze, 2021).…”