Main Article Content
Abstract
Purpose: This study aims to test consumer acceptance of mobile banking Islamic banks using the Technology Acceptance Model. The concept of mobile banking is used to examine the role of banking in facilitating mobile consumer financial transactions.
Methodology: This study uses a survey with a sample of 179 users of mobile banking applications Islamic banks in Central Java and Yogyakarta. Data analysis used in this study is SEM with AMOS software assistance
Findings: All hypotheses are supported. Based on the consumer's perspective, mobile banking is an opportunity for the Islamic finance industry. However, mobile banking will transform very quickly and brought new challenges in the era of industry 4.0.
Originality: This study enrich the discussion in the literature by retesting the technology acceptance model (TAM) to explain the usage of mobile banking of Islamic bank.
Keywords
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References
- REFERENCES
- Bashir, I. and Madhavaiah, C. (2015). Consumer attitude and behavioral intention toward the adoption of Internet banking in India. Journal of Indian Business Research. 7 (1) pp.01-40.
- Cooper, DR, and Schindler, PS (2011). Business Research Methods, Eleventh Edition. New York, NY: McGraw Hill.
- Chuang, Li-Min, Chun-Chu Liu and Hsiao-kuang Kao. (2016). The Adoption of Fintech Service: TAM perspective. International Journal of Management and Administrative Sciences, 3 (7), pp.01-15
- Davis, FD (1986). A Technology Acceptance Model for Testing empirically New End-User Information System: Theory and Results, Doctoral Dissertation, Sloan School of Management, Massachusetts Institute of Technology, Cambridge, MA.
- Davis, FD (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13 (3), pp.319-340.
- Hu, J. Paul, Patrick YK Chau, Olivia R. Liu Sheng, and 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. and Zhao, L. (2017). Digital Banking in 2025.
- Gefen, D. Elena, K., and Detmar, W. (2003). Trust and TAM in Online Shopping: An Integrated Model. MIS Quarterly, 27 (1), pp.51-90.
- Igbaria, M., Guimaraes, T., and Davis, GB (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., and Ali, R. (2017). The Blockchain Will Do to the Financial System What the Internet Did to Media. Harvard Business Review, Digital Article. Retrieved from the Internet https://hbr.org/2017/03/the-blockchain-will-do-to-banks-and-law-firms-what-the-did-to-media.
- Internet World Stats. (2017). Internet Usage Statistics.
- Jung, Young Hoon, Kim Gun, and Choong C. Lee. (2015). Factors Influencing User Satisfaction and Continuous Usage Intention on Mobile Credit Card: Based on Innovation Diffusion Theory and the Post Acceptance Model. The Journal of Society, 20 (3), pp.11-28.
- Mann, BJS, and Sahni, LS (2012). Profiling adopter categories of internet banking in India: an empirical study. Vision: The Journal of Business Perspective. 16 (4), pp.283-295.
- Mansour, IH Abdelgadir, AM, and Abdullah. MA (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 the Theory Of Planned Behavior. Infirmation Systems Research, 2 (3), 173-191.
- Moore, GC, and Benbasat, I. (1991). Development of an Instrument to Measure the Perception of Adopting an Information Technology Innovation. Information Systems Research, 2 (3), pp.192-222.
- Nam, Kiheung, Zoonky Lee, and Lee Bong Gyou. (2016). How the Internet has reshaped the User Experience of the Banking Service? KSII Transactions on The Internet and Information Systems, 10 (2), pp.684-702.
- Nguyen, TP, and Dang, TLP (2018). Digital banking in Vietnam's current situation and Recommendations. International Journal of Innovation and Research in Educational Sciences. 5 (4), pp.2349-5219.
- Riza, A. F. (2019). Customer Acceptance of Digital Banking in Islamic Bank: Study on Millenial Generation. Proceeding Conference on Islamic Management Accounting and Economics, 2, pp.66-74.
- Shipps, Belinda, and Brandis Phillips. (2012). Social Networks, Interactivity and Satisfaction: Assessing the Socio-Technical Behavioral Factors as an extension to the Technology Acceptance. Journal of Theoretical and Applied Electronic Commerce Research, 8 (1), pp.35-52.
- Svendsen, GB, Johnsen, JK, Sorensen, LA, and Vitterso, J. (2013). Personality and Technology Acceptance: The Influence of Personality Factors on the Core Constructs of the Technology Acceptance Model. Behavior & Information Technology, 32 (4), pp.323- 334.
- Wewege, L. (2017). The Digital Banking Revolution: How the Financial Technology Companies Are Rapidly Transforming Retail Banking. Baby Book.
- Wijayanti, D. W. & Riza, A. F. (2017). Sharia Fintech: Positive Innovation in Consumer Perspective. International Seminar Academic Network on Competition Policy, 53(9), pp.1689–1699.
- Wixom, Barbara H. & Peter A. Todd. (2005). A theoretical Integration of User Satisfaction and Technology Acceptance. Information System Research, 16 (1), pp.85-102.
References
REFERENCES
Bashir, I. and Madhavaiah, C. (2015). Consumer attitude and behavioral intention toward the adoption of Internet banking in India. Journal of Indian Business Research. 7 (1) pp.01-40.
Cooper, DR, and Schindler, PS (2011). Business Research Methods, Eleventh Edition. New York, NY: McGraw Hill.
Chuang, Li-Min, Chun-Chu Liu and Hsiao-kuang Kao. (2016). The Adoption of Fintech Service: TAM perspective. International Journal of Management and Administrative Sciences, 3 (7), pp.01-15
Davis, FD (1986). A Technology Acceptance Model for Testing empirically New End-User Information System: Theory and Results, Doctoral Dissertation, Sloan School of Management, Massachusetts Institute of Technology, Cambridge, MA.
Davis, FD (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13 (3), pp.319-340.
Hu, J. Paul, Patrick YK Chau, Olivia R. Liu Sheng, and 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. and Zhao, L. (2017). Digital Banking in 2025.
Gefen, D. Elena, K., and Detmar, W. (2003). Trust and TAM in Online Shopping: An Integrated Model. MIS Quarterly, 27 (1), pp.51-90.
Igbaria, M., Guimaraes, T., and Davis, GB (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., and Ali, R. (2017). The Blockchain Will Do to the Financial System What the Internet Did to Media. Harvard Business Review, Digital Article. Retrieved from the Internet https://hbr.org/2017/03/the-blockchain-will-do-to-banks-and-law-firms-what-the-did-to-media.
Internet World Stats. (2017). Internet Usage Statistics.
Jung, Young Hoon, Kim Gun, and Choong C. Lee. (2015). Factors Influencing User Satisfaction and Continuous Usage Intention on Mobile Credit Card: Based on Innovation Diffusion Theory and the Post Acceptance Model. The Journal of Society, 20 (3), pp.11-28.
Mann, BJS, and Sahni, LS (2012). Profiling adopter categories of internet banking in India: an empirical study. Vision: The Journal of Business Perspective. 16 (4), pp.283-295.
Mansour, IH Abdelgadir, AM, and Abdullah. MA (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 the Theory Of Planned Behavior. Infirmation Systems Research, 2 (3), 173-191.
Moore, GC, and Benbasat, I. (1991). Development of an Instrument to Measure the Perception of Adopting an Information Technology Innovation. Information Systems Research, 2 (3), pp.192-222.
Nam, Kiheung, Zoonky Lee, and Lee Bong Gyou. (2016). How the Internet has reshaped the User Experience of the Banking Service? KSII Transactions on The Internet and Information Systems, 10 (2), pp.684-702.
Nguyen, TP, and Dang, TLP (2018). Digital banking in Vietnam's current situation and Recommendations. International Journal of Innovation and Research in Educational Sciences. 5 (4), pp.2349-5219.
Riza, A. F. (2019). Customer Acceptance of Digital Banking in Islamic Bank: Study on Millenial Generation. Proceeding Conference on Islamic Management Accounting and Economics, 2, pp.66-74.
Shipps, Belinda, and Brandis Phillips. (2012). Social Networks, Interactivity and Satisfaction: Assessing the Socio-Technical Behavioral Factors as an extension to the Technology Acceptance. Journal of Theoretical and Applied Electronic Commerce Research, 8 (1), pp.35-52.
Svendsen, GB, Johnsen, JK, Sorensen, LA, and Vitterso, J. (2013). Personality and Technology Acceptance: The Influence of Personality Factors on the Core Constructs of the Technology Acceptance Model. Behavior & Information Technology, 32 (4), pp.323- 334.
Wewege, L. (2017). The Digital Banking Revolution: How the Financial Technology Companies Are Rapidly Transforming Retail Banking. Baby Book.
Wijayanti, D. W. & Riza, A. F. (2017). Sharia Fintech: Positive Innovation in Consumer Perspective. International Seminar Academic Network on Competition Policy, 53(9), pp.1689–1699.
Wixom, Barbara H. & Peter A. Todd. (2005). A theoretical Integration of User Satisfaction and Technology Acceptance. Information System Research, 16 (1), pp.85-102.