The exploration role of Sharia compliance in technology acceptance model for e-banking (case: Islamic bank in Indonesia)

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Hardius Usman ◽  
Nucke Widowati Kusumo Projo ◽  
Chairy Chairy ◽  
Marissa Grace Haque
Keyword(s):  
Customer Satisfaction ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Usefulness ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Content Type ◽  
Islamic Bank ◽  
Acceptance Model

Purpose The study proposes an extended model of the technology acceptance model (TAM) by including Sharia compliance (SC), knowledge of SC and confidence in SC, in addition to perceived usefulness (PU) and perceived ease of use (PEOU). This research aims to investigate its impact on satisfaction, applied in e-banking of Indonesian Islamic banking. Also, the authors study the role of SC, knowledge of SC and confidence in all relationships in TAM in explaining customer satisfaction. Design/methodology/approach Data collecting in this research is a self-administered survey by sending questionnaires to respondents online via e-mail or WhatsApp. The number of collected data are 300 completed questionnaires. Hypothesis testing and analyses in this research use the multiple linear regression model. Findings This study finds that SC, knowledge about SC and belief in SC have a significant impact on customer satisfaction of Islamic banks using e-banking. The most important finding in this study is that SC, knowledge about SC and belief in SC significantly moderate the relationship between PU and PEOU with customer satisfaction. Originality/value The originality of this research is exploring the role of SC, knowledge of SC and confidence in SC in all relationships, and it is expressed in the original TAM to explain customer satisfaction. This study has never been applied in previous studies, particularly studies of Islamic bank e-banking in Indonesia. This study highlights the importance of SC in the extended TAM, as a distinguishing factor between e-banking provided by Islamic banks and conventional banks, as well as the role of knowledge and confidence in SC. The authors propose policies that will be useful for the improvement of the market share of Islamic banking in Indonesia.

Integrating trust, religiosity and image into technology acceptance model: the case of the Islamic philanthropy in Indonesia

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Hardius Usman ◽  
Dipa Mulia ◽  
Chairy Chairy ◽  
Nucke Widowati
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Multiple Linear Regression Model ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Extended Model ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Acceptance Model

Purpose The purpose of this study is to propose an extended model of technology acceptance model (TAM) in the use of financial technology (Fintech) in the context of Islamic philanthropy, especially by studying and exploring the role of trust, image and religiosity in TAM, and to provide policy recommendation for the authorized organizations in Indonesia regarding several crucial factors that need to be considered so that Indonesian Muslims are willing to use Fintech for philanthropic purposes. Design/methodology/approach Online surveys were conducted to collect the data, of which 425 respondents have completed and returned the questionnaire. Multiple linear regression model and multi-variate analysis of variance are applied to test the statistical hypotheses. Findings This study supports the theory of reasoned action and the TAM. In which, the relationship between perceived ease of use and perceived usefulness with TAM is determined by trust and religiosity. Research limitations/implications It is worth to note the limitation of this study lies in the sampling technique and data collection. Indonesia is a fast archipelago country and consists of 34 provinces, but not all of the provinces are represented in the sample. The selected respondent heavily depends on the previous respondent’s willingness to share the questionnaire. So that the number of respondents does not proportionate to region or province. Originality/value This study offers an extended model of TAM that has never been done before, namely, by exploring the role of trust, religiosity and image, in the context of Islamic philanthropy.

scholarly journals Service quality, religiosity, customer satisfaction, customer engagement and Islamic bank’s customer loyalty

2019 ◽  
Vol 11 (6) ◽  
pp. 1691-1705 ◽  
Author(s):  
Abror Abror ◽  
Dina Patrisia ◽  
Yunita Engriani ◽  
Susi Evanita ◽  
Yasri Yasri ◽  
...  
Keyword(s):  
Customer Satisfaction ◽  
Service Quality ◽  
Customer Loyalty ◽  
Customer Engagement ◽  
Equation Modeling ◽  
Islamic Banks ◽  
Content Type ◽  
Islamic Bank ◽  
Moderating Role

Purpose The purpose of this study is to investigate the influential factors of customer loyalty to Islamic banks, namely, service quality, customer satisfaction, customer engagement and religiosity. Design/methodology/approach This study is a survey of 335 Islamic bank customers in West Sumatra, Indonesia. This research deployed purposive sampling and analyzed the data by using covariance-based structural equation modeling. Findings Service quality has a positive and significant impact on customer satisfaction. Religiosity has a significant and negative moderating impact on the service quality–customer satisfaction relationship. Service quality has no significant influence on customer loyalty. Customer satisfaction is a significant antecedent of customer engagement and loyalty. Finally, customer engagement has a significant and positive effect on customer loyalty. Research limitations/implications This study is a combination of cross-sectional and a single-country case. Accordingly, the results may not be representative of other countries. Similar studies in longitudinal data collection are conducted in other countries (e.g. ASEAN countries), which would therefore be worthwhile. Some antecedents of customer loyalty have been neglected in this study (e.g. customer value co-creation and customer commitment); hence, the future study may investigate those factors. Practical implications By considering these Islamic banks’ antecedents, the Islamic banks might enhance their customer loyalty. Also, this study has revealed the moderating role of religiosity in a loyalty relationship. Therefore, it will give insights for the Islamic bank managers in decision-making. Originality/value This study has revealed the moderating role of religiosity on the link between service quality and customer satisfaction in Islamic banks, which is, to the authors’ knowledge, neglected in the previous studies. The customers with high religiosity will have a higher standard of satisfaction and demand a better service quality than the customers with low religiosity. This study has also examined the relationships between service quality, religiosity, customer satisfaction, customer engagement and loyalty as a whole, which have been limited previously.

Mobile commerce adoption among the bottom of the pyramid: a case of street vendors in Thailand

2019 ◽  
Vol 10 (1) ◽  
pp. 193-213 ◽  
Author(s):  
Tanikan Pipitwanichakarn ◽  
Nittaya Wongtada
Keyword(s):  
Technology Adoption ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Mobile Commerce ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Street Vendors ◽  
Content Type ◽  
Acceptance Model

Purpose This study aims to investigate the applicability of technology acceptance model in explaining technology adoption among street vendors in Thailand as a representation of emerging economies. Design/methodology/approach A pen-and-pencil survey was administered to 370 street vendors in Bangkok; 356 usable surveys were analyzed for a completed rate of 96.2 per cent. Structural equation modeling was used to analyze the data. Findings This study contributes to the existing technology acceptance literature as follows: First, the predictive power of the technology acceptance model is strong and holds true for street vendors. Second, it revealed that the relationship of entrepreneurial orientation and technology adoption is completely connected through the decision-making process (i.e. trust and system characteristics, otherwise known as usefulness and ease of use). Finally, the degree of product differentiation strengthens the positive relationship between perceived usefulness and the intention to use mobile commerce. Originality/value This study advances the previous research on e-commerce adoption in settings outside the formal sector. More specifically, this study developed and validated the extended technology acceptance model in the smallest-scale of entrepreneurs, street vendors, to increase the understanding of the adoption of m-commerce.

Determinants of intention to use Islamic banking

2019 ◽  
Vol 13 (1) ◽  
pp. 147-163 ◽  
Author(s):  
Samia Ayyub ◽  
Wang Xuhui ◽  
Muhammad Asif ◽  
Rana Muhammad Ayyub
Keyword(s):  
Consumer Behavior ◽  
Technology Acceptance ◽  
Structural Equation ◽  
Perceived Usefulness ◽  
Practical Significance ◽  
Equation Modeling ◽  
Islamic Banking ◽  
Intention To Use ◽  
Content Type ◽  
Acceptance Model

Purpose This paper aims to explore the determinants of intention to use Islamic banking and compare the consumer behavior of users and non-users of Islamic banking. This study incorporates the theory of planned behavior in Islamic banking perspective with an additional construct from technology acceptance model. Design/methodology/approach The research is quantitative in nature, and survey questionnaire was used to get data from four cities of Pakistan. The study manages to get 300 questionnaires from which only 264 were usable for analysis. The structural equation modeling was used for testing the hypotheses. Findings The result shows that perceived behavior control and perceived usefulness are the most significant predictors of intention to use of Islamic banking among users and non-users. Attitude turns out to be a non-significant factor for non-users of Islamic banking. Subjective norm is also found to be non-significant with intention to use Islamic banking in both groups. Originality/value This study has theoretical as well as practical significance in the subject of consumer behavior in Islamic banking. Theoretically, it attempts to fill the gap caused by the scarcity of research in exploring the consumer behavior towards Islamic banking in Pakistan. This study provides insights into the consumer behavior of users and non-users of Islamic banking and thus presents a comparison. Practically, this study provides guidelines for Islamic banks in introduction, propagation and promotion of Islamic banking products and services to establish Islamic banking as a social norm.

Acceptance of Islamic financial technology (FinTech) banking services by Malaysian users: an extension of technology acceptance model

foresight ◽  
2020 ◽  
Vol 22 (3) ◽  
pp. 367-383 ◽  
Author(s):  
Imran Mehboob Shaikh ◽  
Muhammad Asif Qureshi ◽  
Kamaruzaman Noordin ◽  
Junaid Mehboob Shaikh ◽  
Arman Khan ◽  
...  
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Consumer Innovativeness ◽  
Banking Services ◽  
Content Type ◽  
Acceptance Model ◽  
Financial Technology

Purpose This paper aims to examine the determinants that influence bank users’ acceptance for Islamic financial technology (FinTech) services by extending the technology acceptance model (TAM) in the Malaysian context. Design/methodology/approach The survey was conducted using convenience sampling. Moreover, 205 responses were gathered from users of the Islamic bank. On the same note, the literature on determinants of Islamic FinTech acceptance and TAM was reviewed as well in a bid to contribute to the factors that are instrumental in determining the acceptance of FinTech services. Findings Findings of the study reveal that Islamic FinTech’s services acceptance is determined by perceived ease of use, perceived usefulness and also by another variable, which is consumer innovativeness (CI). On the contrary other factors, self-efficacy and subjective norms are found not to be influential in determining Islamic FinTech’s acceptance by Islamic banking users. Originality/value TAM is extended in the context of Islamic FinTech. A new variable, namely, CI is tested using TAM. CI is yet to be tested, therefore, this paper will be a useful reference for the policymakers, academicians and future researchers.

Leveraging the technology acceptance model for mobile commerce adoption under distinct stages of adoption

2019 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Tanikan Pipitwanichakarn ◽  
Nittaya Wongtada
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Service Providers ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Street Vendors ◽  
Content Type ◽  
Perceived Enjoyment ◽  
Acceptance Model

Purpose The purpose of this paper is to investigate the role of trust and perceived enjoyment in the technology acceptance model by distinguishing distinct stages of adoption among street vendors (initial and advanced adoption stage). Design/methodology/approach Face-to-face interviews using a structured questionnaire were conducted with 430 street vendors in Bangkok; 415 usable surveys were analyzed. By applying K-means cluster analysis, two segments were found with 200 initial and 215 advanced adopters. A multi-group analysis was employed to investigate differences of relationships between the two groups. Findings The findings reveal significant similarities and dissimilarities between the two groups of vendors. Both initial and advanced adopters emphasize trust of service providers. The first group relies more on perceived ease of use and perceived enjoyment in motivating m-commerce adoption but depends less on perceived usefulness. On the contrary, for the latter group, the influence of perceived ease of use and perceived enjoyment significantly decreases, but the effect of perceived usefulness significantly increases. Practical implications This study sheds light on the managerial implications related to how service providers can tailor their marketing strategies to target vendors in disparate diffusion stages, and it encourages building trust between partners over time. Originality/value Due to the lack of theoretical and managerial understanding of factors that drive m-commerce adoption for micro businesses, this study identifies distinct adoption stages and offers valuable insights into the similarities and differences among initial and advanced adopters.

An expansion of the technology acceptance model applied to the halal tourism sector

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Izra Berakon ◽  
Muhammad Ghafur Wibowo ◽  
Achmad Nurdany ◽  
Hendy Mustiko Aji
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Young Generation ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Acceptance Model ◽  
The Relationship

Purpose The increasing number of tourists in the Muslim world every year has encouraged digital business developers and the Sharia banking industry to integrate halal product and service apps with the Sharia mobile banking system. The fourth wave of the industrial revolution has changed the consumer paradigm, creating a young generation that uses digital service transaction systems in their daily lives. This paper aims to investigate the factors that determine intention to use halal tourism apps amongst Muslim tourists to provide insights promoting the development of halal tourism in Indonesia. Design/methodology/approach The research was conducted using an online survey approach. The sample comprised 205 Muslim Millennial and Generation Z travellers. The data collected were analysed using partial least square structural equation modelling. There were three analysis stages: evaluation of the measurement model, assessment of the structural model and hypothesis testing. Findings The findings indicated that trust mediated the relationship between perceived ease of use and perceived usefulness on individual intentions and that halal knowledge positively and significantly impacted individual intentions. In contrast, religiosity was not a significant influence on individual intentions. Originality/value The paper expanded the technology acceptance model by incorporating the key constructs of halal knowledge, religiosity and trust into an integrated research framework; this represented a novel step, especially in the context of halal tourism. The finding that trust mediated the relationship between perceived ease of use and perceived usefulness fills a gap in previous research, which has rarely included the trust construct in technology acceptance models.

The role of customer intimacy in increasing Islamic bank customer loyalty in using e-banking and m-banking

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Dipa Mulia ◽  
Hardius Usman ◽  
Novia Budi Parwanto
Keyword(s):  
Technology Acceptance ◽  
Customer Loyalty ◽  
Perceived Risk ◽  
Perceived Usefulness ◽  
Survey Method ◽  
Content Type ◽  
Islamic Bank ◽  
Tam Model ◽  
Customer Intimacy

Purpose The purposes of this study are to develop an extended technology acceptance model (TAM) model by adding customer intimacy, perceived risk, trust and Sharia compliance as external variables, in which TAM is used as the evaluation method for the use of e-banking and m-banking by customers of Islamic bank; and to study the role of customer intimacy in increasing satisfaction and encouraging loyalty of Islamic bank customers in using e-banking and m-banking. Design/methodology/approach Data collection is carried out by the self-administered survey method with Islamic bank customers as target population. Multivariate analysis of variance and multiple linear regression are applied for data analysis. Findings Customer intimacy not only encourages the emergence of customer loyalty directly, but also affects the factors that determine customer loyalty itself, such as perceived usefulness, perceived ease of use, perceived risk, trust, sharia compliance and satisfaction. In other words, customer intimacy has a direct and indirect influence on loyalty. Originality/value This paper offers an extended TAM constructs to study the role of customer intimacy in increasing loyalty by considering various variables, namely, perceived risk, trust, Sharia compliance and satisfaction. Similar research is still very limited in the banking marketing literature, especially in Islamic banks context.

Acceptance of mobile money by poor citizens of India: integrating trust into the technology acceptance model

Info ◽  
2015 ◽  
Vol 17 (3) ◽  
pp. 58-68 ◽  
Author(s):  
Sumedha Chauhan
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Primary Data ◽  
Content Type ◽  
Mobile Money ◽  
Acceptance Model

Purpose – The purpose of this paper is to understand the acceptance of mobile-money (m-money) among target populations, i.e. below-poverty-line citizens in India, using the technology acceptance model (TAM). The m-money service is a major initiative that can enable the provision of low-cost and speedy money transfer through mobile phones, especially in developing countries such as India. For a large section of the population in India, m-money can act as a way to achieve financial inclusion. However, for m-money to succeed, users should accept the initiative wholeheartedly. Design/methodology/approach – The survey data were collected from 225 actual and prospective m-money users and analysed using partial least square technique. Findings – The findings imply that the trust and the core constructs of TAM such as perceived usefulness, trust and attitude towards usage contribute in influencing the intention to accept m-money. Perceived ease of use neither impacts perceived usefulness nor attitude towards usage. Practical implications – This research also provides possible explanations for the significant relationships between the constructs and discusses how this information can be used to enhance the acceptance of m-money among poor Indians. Originality/value – This research is original and is based on primary data collection and its interpretation. It provides thorough empirical insights on the acceptance of m-money among poor Indian citizens which is currently a weakly addressed and empirically less explored area of research.

scholarly journals THE ROLE OF TECHNOLOGY ACCEPTANCE MODEL ON EMAIL USAGE AMONG ACADEMICIAN IN MALAYSIAN PUBLIC AND PRIVATE UNIVERSITIES

2018 ◽  
Author(s):  
Anuar Shah Bali Mahomed ◽  
Michael G. McGrath ◽  
Bong Zhi Yuh ◽  
Shafie Sidek ◽  
Saadiatul Ibrahim ◽  
...  
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Private Universities ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Public And Private ◽  
Acceptance Model ◽  
Relationship Of

This study examines the levels and factors contributing to email usage among academician in Malay-sian universities. The Technology Acceptance Model (TAM) was tested to investigate the relationship of perceived ease of use (PEOU) and perceived usefulness (PU) on email usage (U). By using survey questionnaires, data was collected from 274 academician in Malaysian public and private universi-ties. Path analysis was conducted using SmartPLS 2.0 to examine the research model. This research found that email usage among academician in Malaysian private universities is significantly higher than Malaysian public universities, albeit the usage were high for both types of universities.

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