The potential of digital banking to handle the Covid-19 pandemic crisis: Modification of UTAUT model for Islamic finance industry

Riza, Alex Fahrur

doi:10.20885/jeki.vol7.iss1.art1

Cited by 20 publications

(30 citation statements)

References 27 publications

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“…We used the partial least squares method to analyze the data using the Smart PLS software. We selected Smart PLS because it is a variance-based structural equation modeling approach and is considered to be a robust and incremental characteristic in predicting endogenous variables (Ringle et al, 2015;Hair et al, 2017). Data analysis consisted of frequency analysis for demographic factors, confirmatory factor analysis for reliability and validity, bootstrapping for hypothesis testing and multigroup analysis for moderation-related hypotheses.…”

Section: Methodsmentioning

confidence: 99%

“…This was integrated into the original UTAUT model by Venkatesh et al (2012). HBT is one of the most important additions to the UTAUT2 model (Tamilmani et al, 2019) and has been proven to be a significant construct determining the BI and AU of consumers in adopting mbanking services (Farzin et al, 2021;Ferreira Barbosa et al, 2021;Owusu Kwateng et al, 2019;Merhi et al, 2019;Riza, 2021). HBT has been reported as an insignificant driver of BI by Mahfuz et al (2016) (2019).…”

Section: Habit (Hbt)mentioning

confidence: 99%

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Integrating trust with extended UTAUT model: a study on Islamic banking customers’ m-banking adoption in the Maldives

Iqbal

Santiago

Tahir

2022

JIMA

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Purpose This study aims to focus on delineating the drivers of intention to adopt mobile banking (m-banking) and its actual use among Islamic banking customers by extending the UTAUT2 model with the trust factor. The study also examined the moderating roles of age, gender and experience in the model. Design/methodology/approach An explanatory research design was used, and an online survey was conducted to collect responses from Islamic banking customers. A total of 329 completed responses were used to analyze the data. The partial least squares method was used for data analysis, and a multi-group analysis was applied for moderation-related analysis. Findings Trust positively and significantly influences the behavioral intention to adopt m-banking among Islamic banking customers. In addition, social influence, effort expectancy, hedonic motivation and habits significantly influence behavioral intentions among Islamic banking customers. Originality/value This study provides an extended UTAUT2 model that has never been tested in the context of Islamic m-banking. In addition, this study is expected to be the first scholarly research on Islamic banking in the Maldives.

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Section: Methodsmentioning

confidence: 99%

Section: Habit (Hbt)mentioning

confidence: 99%

Integrating trust with extended UTAUT model: a study on Islamic banking customers’ m-banking adoption in the Maldives

Iqbal

Santiago

Tahir

2022

JIMA

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“…c. The Office of the Minister of Cooperatives is the regulatory and supervisory body for cooperatives. [27]…”

Section: Concepts and Strategies Of Islamic Financial Institutionsmentioning

confidence: 99%

The Strategy of Sharia Financial Institutions in Attracting Customer Interest in Financing in the Era of the Covid-19 Pandemic

Muthoifin¹,

Haris²,

Zulehana³

2022

Proceedings of the 1st International Seminar on Sharia, Law and Muslim Society (ISSLAMS 2022)

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This pandemic disaster resulted in many people losing some of their income due to a drastic decline in business and company turnover, resulting in an unstable economy. The purpose of this research is to reveal various strategies of Islamic Financial Institutions to attract customers' interest in financing in the era of the Covid-19 pandemic. This research method uses field research at KSPPS BMT Syariah Mandiri Ngemplak Boyolali, with research using qualitative descriptive methods. Data collection techniques by direct interview, observation, and documentation, while the data analysis uses the deductive. Research result shows that the strategy carried out by KSPPS Independent Islamic Sharia BMT to attract customers' interest in doing financing in the era of the Covid-19 pandemic, is a way of emphasizing marketing on social media networks such as Instagram, Facebook, and WhatsApp, providing customer pick-up services from house to house, giving souvenirs to old and new members who are still actively using saving and financing services, conducting friendships with old members who no longer have savings and financing at BMT to return to using and utilizing sharia financing services. This research implies that several appropriate strategies can be applied in attracting public interest in continuing to carry out Islamic financing in BMT as in the results of this study.

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“…This will help to restrict the spread of COVID-19 by disrupting the transmission chain. This encourages the banking industry and its customers to implement a contactless and cashless transaction method, such as mobile banking (Riza, 2021).…”

Section: Introductionmentioning

confidence: 99%

“…According to Bank Indonesia, the volume of digital banking service transactions since April 2020 has increased significantly by 37.35% (year-on-year) and an increase of 60.8% compared to the same period in 2019 due to its convenience for communities in the pandemic situation. This development reflects the growing need for digital banking systems and digital financial transactions such as mobile banking (Riza, 2021). In the first quarter of 2020, digital Despite the increasing use of mobile banking, its implementation is still below the desired level.…”

Section: Introductionmentioning

confidence: 99%

Service Quality, Satisfaction, and Loyalty of BNI Mobile Banking E-Customer

Heidy

Kurniawati²,

Cantika³

et al. 2022

bus. and entrepreneurial rev.

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Many banks institution have implemented mobile banking as a successful e-commerce application to give the combined benefits of increased customer service and cost reduction. Service quality is a comprehensive customer evaluation of a particular service and meets customer expectations and provides satisfaction. Objective: to assess whether service quality has a strong association to customers loyalty of BNI mobile banking users of FKG USAKTI professional students. Method: The data analyzed comes from BNI M-banking consumers, FKG professional students, who have been using BNI m-banking for a long time. The number of samples is about 150 people. Descriptive data analysis presented each item of the research questionnaire. Result: user friendliness and efficiency are determined to have a positive and considerable impact on customer satisfaction, whereas customer satisfaction has a significant and positive impact on customer loyalty.

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The potential of digital banking to handle the Covid-19 pandemic crisis: Modification of UTAUT model for Islamic finance industry

Cited by 20 publications

References 27 publications

Integrating trust with extended UTAUT model: a study on Islamic banking customers’ m-banking adoption in the Maldives

Integrating trust with extended UTAUT model: a study on Islamic banking customers’ m-banking adoption in the Maldives

The Strategy of Sharia Financial Institutions in Attracting Customer Interest in Financing in the Era of the Covid-19 Pandemic

Service Quality, Satisfaction, and Loyalty of BNI Mobile Banking E-Customer

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