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Abstract

Purpose – This study examines how perceived usefulness, perceived ease of use, and Sharia compliance shape trust in blockchain-based mudharabah smart contracts and how trust drives the behavioral intention to adopt them.
Methodology – An online survey of 300 purposively selected Islamic bank customers in Indonesia, screened for familiarity with digital financial services and blockchain, was analyzed using partial least squares structural equation modelling (PLS-SEM), drawing on the technology acceptance model and the Sharia compliance perspective.
Findings – Perceived usefulness (β = 0.707) and Sharia compliance (β = 0.234) significantly increased trust, whereas perceived ease of use did not (β = 0.041; p = 0.069). Trust strongly predicted behavioral intention (β = 0.889) and mediated the effects of perceived usefulness (β = 0.629) and Sharia compliance (β = 0.208), but not perceived ease of use. The model explains 91.9% of the variance in trust and 79.1% in the behavioral intention.
Implications – Adoption depends more on demonstrable functional benefits and visible Sharia governance than on interface simplicity; therefore, Islamic banks and fintech developers should prioritize transparency and auditable Sharia assurance mechanisms in smart contract design.
Originality – Prior Islamic fintech research has treated technology acceptance and Sharia compliance as separate explanations for adoption. This study jointly models them as antecedents of trust in a decentralized contract setting, where automation removes the human intermediary that conventionally guarantees Sharia conformity — a configuration not previously tested on Islamic banking customers.

Keywords

Blockchain, Mudharabah Smart Contracts, Islamic Fintech, Trust, Behavioral Intention Blockchain Mudharabah Smart Contracts Islamic fintech Trust Behavioral intention

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Copyright (c) 2026 Refky Fielnanda, Irma Novida, Sri Rahma, Dessy Anggraini, Alwahidin Alwahidin

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How to Cite
Fielnanda, R., Novida, I. ., Rahma, S. ., Anggraini, D., & Alwahidin , A. . (2026). Trust and behavioral intention toward blockchain-based mudharabah smart contracts in Islamic banking. Jurnal Ekonomi & Keuangan Islam, 12(2), 207–229. https://doi.org/10.20885/JEKI.vol12.iss2.art1
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