scholarly journals Millennial Experience with Mobile Banking and Mobile Banking Artificial Intelligence Evidence from Islamic Banking

2021 ◽  
pp. 39-53
Author(s):  
Ambia Masthura Yussaivi ◽  
Carol Y Lu ◽  
Moch Edman Syarief ◽  
Dwi Suhartanto
Keyword(s):  
Artificial Intelligence ◽  
Millennial Generation ◽  
Total Sample ◽  
Partial Least Square ◽  
Least Square ◽  
Relative Advantage ◽  
Islamic Banking ◽  
Mobile Banking ◽  
Banking Services ◽  
Study Results

This study examines the factors that influence the attitudes and perceptions of the millennial generation towards the use of mobile banking services and artificial intelligence-based mobile banking services. The research questionnaire is distributed using Google Form to customers using Islamic banking mobile banking services in three cities in Aceh Province, Indonesia, namely; Banda Aceh, Langsa, and Lhokseumawe with a total sample of 204 Muslim millennial generation respondents. Partial least square (PLS) is used to test technology-based differential effects (attitudes towards artificial intelligence, relative advantage, trust and security of mobile banking) and non-technology based (need for service, quality of service) as well as factors of religiosity on the use of mobile banking services and artificial intelligence mobile banking service. This study results in the findings that the construct of trust, attitudes towards artificial intelligence, religiosity, and relative advantage are the main determinants of mobile banking adoption intentions and also show the gap between millennial generation customers in trust levels, attitudes towards artificial intelligence, religiosity and perceived relative advantage between the two dependent variables. Finally, the trust construct has the greatest impact on the use of mobile banking and artificial intelligence services.

scholarly journals Millennial loyalty towards artificial intelligence-enabled mobile banking. Evidence from Indonesian Islamic banks

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Dwi Suhartanto ◽  
Moch Edman Syarief ◽  
Ade Chandra Nugraha ◽  
Tintin Suhaeni ◽  
Ambia Masthura ◽  
...  
Keyword(s):  
Artificial Intelligence ◽  
Service Quality ◽  
Islamic Law ◽  
Partial Least Square ◽  
Least Square ◽  
Relative Advantage ◽  
Mobile Banking ◽  
Islamic Banks ◽  
Banking Services ◽  
Content Type

Purpose This study aims to examine factors driving millennial loyalty towards artificial intelligence (AI)-enabled mobile banking services in Islamic banks. Design/methodology/approach This research collected the data from 204 millennial customers of Islamic banks in Aceh, Indonesia. Partial least square (PLS) was used to evaluate the effect of service factors (the need for service and service quality), technology-based factors (attitudes towards AI, relative advantage, security and trust) and religiosity on millennial loyalty towards AI-enabled mobile banking. Findings This inquiry reveals that service quality, attitude towards AI and trust are determinants important for millennial loyalty towards AI-enabled mobile banking. Further, this research notes the significant role of religiosity on millennial loyalty towards mobile banking services. Practical implications This study suggests Islamic banks focus on developing millennial trust and attitude towards AI to increase their loyalty towards AI-enabled mobile banking services. Further, Islamic banks operation that complies with Islamic law is strongly suggested to develop millennial loyalty. Originality/value To the best of the authors’ knowledge, this is the first study that tries to scrutinize loyalty towards AI-enabled mobile banking.

Pengaruh Literasi Keuangan Syariah, Islamic Branding, dan Religiusitas terhadap Keputusan Mahasiswa Dalam Menggunakan Jasa Perbankan Syariah

2021 ◽  
Vol 5 (2) ◽  
pp. 226-244
Author(s):  
Fajriah Salim ◽  
Suyudi Arif ◽  
Abrista Devi
Keyword(s):  
Financial Literacy ◽  
Research Method ◽  
Partial Least Square ◽  
Least Square ◽  
Islamic Banking ◽  
Analysis Tool ◽  
Islamic Banks ◽  
Banking Services ◽  
Independent Variables ◽  
Data Analysis Tool

This study aims to determine the effect of Islamic financial literacy, Islamic branding, and religiosity on student decisions in using Islamic banking services. The dependent variable in the study is student decisions, while the independent variables are Islamic financial literacy, Islamic branding, and religiosity. The data in this study were collected through questionnaires distributed to active FAI students class 2017-2018 who had transacted using Islamic banks. The research method used is quantitative. The population in this study are active students of FAI class 2017-2018 who have transacted using Islamic banks, with data collected totaling 100 respondents. The data analysis tool used in this study uses the Partial Least Square (PLS) approach. The results of this study indicate that there is a positive and significant influence of the Islamic financial literacy variable, Islamic branding on student decisions in using Islamic banking services, while the religiosity variable has a positive but not significant effect on student decisions in using Islamic banking services. Keywords: Using Islamic Banking Services, Islamic Financial Literacy, Islamic Branding, Religiosity, and Student Decisions

scholarly journals Behavioral Stimulus for Using Bank Mestika Mobile Banking Services: UTAUT2 Model Perspective

2021 ◽  
Vol 1 (2) ◽  
pp. 61-72
Author(s):  
Fenny Krisna Marpaung ◽  
Reni Shinta Dewi ◽  
Ernest Grace ◽  
Acai Sudirman ◽  
Maria Sugiat
Keyword(s):  
Behavioral Intention ◽  
Behavioral Intentions ◽  
Structural Equation ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Mobile Banking ◽  
Banking Services ◽  
Additional Information ◽  
Banking Service

The existence of mobile banking services is currently experiencing rapid growth. Adopting such a large number of users makes mobile banking services one of the main needs to meet the needs of conducting financial transactions. Therefore, there is a need for additional information for mobile banking service developers on the dominant factors influencing user behavioral intentions. This research is present as a forum to provide an overview of the user's perspective on Mestika bank's mobile banking service. This research aims to find out what factors play an important role in behavioral intention to use Mestika bank's mobile banking services based on the UTAUT2 concept. The research instrument used a questionnaire distributed online to 240 respondents in Medan City and Pematangsiantar City, Indonesia. Next, the researcher tested the hypothesis using Structural Equation Modeling (SEM) based on a variant called Partial Least Square (PLS) and the SmartPLS version 3.0 application as a tool to analyze it. This research concludes that effort expectancy has the most significant influence and plays a very important role in shaping the behavioral intention of using Mestika bank's mobile banking. Then performance expectancy and social influence hedonic motivation also significantly influence behavioral intentions to use Mestika bank's mobile banking. Furthermore, the results of this study also conclude that facilitating conditions and habit have no significant effect on behavioral intentions to use Mestika bank's mobile banking.

The Relationship between Artificial Intelligence (AI) Quality, Customer Preference, Satisfaction and Continuous Usage Intention of e-Banking Services

2021 ◽  
Vol 4 (1) ◽  
pp. 24-43
Author(s):  
Mohammed Aliyu Dantsoho ◽  
◽  
Kabiru Jinjiri Ringim ◽  
Kabiru Maitama Kura ◽  
◽  
...  
Keyword(s):  
Artificial Intelligence ◽  
Consumer Preference ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Banking Services ◽  
Customer Preference ◽  
Continuous Usage Intention ◽  
The Relationship ◽  
Positive Effect

This study was set to examine the relationship between artificial intelligence (AI) quality, customer preference, satisfaction and continuous usage intention of e-banking services powered by AI solution. To achieve this, a cross-sectional research design was employed to collect data from the bank customers using purposive snowball sampling. In total 274 responses were retrieved from the bank customers that agreed to participate in the study and 246 were useful for the final data analysis. Analysis was done using partial least square structural equation modeling (PLS-SEM) approach with aid of SmartPLS 3.2.8. A snowball non-probability sampling procedure was used for the data collection. The findings indicate that the AI quality have a positive effect on satisfaction and satisfaction has significant positive effect on the intention of continuing use of e-banking services. However, consumer preference was not significantly related to continuous usage intention of e-banking services. This is practically possible in Nigerian context. Because we observe that majority of the respondents does not have specific preference of using or interacting with e-banking services powered by AI as against those control by human interactions. The implication of this findings is that is the used of AI based services in the Nigerian context is still at it infancy level. Therefore, there is still much to learn from the experience of both planners, implementers and beneficiaries. This study is perhaps, the first of its kind to examine the relationships of AI chatbot quality on customer satisfaction and continuous usage intention of e-banking services. It is therefore, contributes to the development of literature in this direction.

Intention to use mobile banking services: an Islamic banking customers’ perspective from Sri Lanka

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Sabraz Nawaz Samsudeen ◽  
Gunapalan Selvaratnam ◽  
Ahamed Hilmy Hayathu Mohamed
Keyword(s):  
Sri Lanka ◽  
Questionnaire Survey ◽  
Partial Least Square ◽  
Survey Method ◽  
Islamic Banking ◽  
Intention To Use ◽  
Mobile Banking ◽  
Banking Services ◽  
Content Type ◽  
Moderating Variables

Purpose This paper aims to identify the determinants of the intention to use mobile banking services among Islamic Banking customers in Sri Lanka. The study was carried out based on the Unified Theory of Acceptance and Use of Technology (UTAUT 2). The predictor variables of performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation and habit were used to predict the variable of behavioural intention to use. The moderating variables entail age, gender and experience. Design/methodology/approach Quantitative method with questionnaire survey was used. Data collection relied on the questionnaire survey method of which items were derived and adapted from past literatures. The responses were captured using the seven-point Likert scale. The study population consisted of Islamic Banking customers in Sri Lanka. A total of 594 questionnaires were returned of which 582 were found usable for analysis. Data analysis was conducted using the partial least square structural equation modelling along with SmartPLS 3. Findings The analysis results demonstrated the significant effect of all the variables on the Islamic Banking customers’ intention to use m-banking services along with the significant effect of the moderating variables as initially hypothesized. Practical implications As the first study of its kind in the context of Islamic banking customers in Sri Lanka, this study offers decision makers valuable guidelines for when they intend to re-engineer their m-banking applications and promote them to the public. Originality/value Following a comprehensive literature review, this study is identified as the pioneering effort in the investigation of m-banking usage intention among Islamic Banking customers in Sri Lanka. Therefore, this study contributes new knowledge and insights to the existing body of literature by confirming the viability of the UTAUT2 model in driving m-banking usage adoption among Islamic Banking customers in Sri Lanka.

scholarly journals PERSEPSI KOMPATIBILITAS, PERSEPSI TRIABILITY TERHADAP INTENSI PERILAKU SERTA DAMPAKNYA PADA PENGGUNAAN MOBILE BANKING BANK RAKYAT INDONESIA DI SURABAYA

2018 ◽  
Vol 8 (1) ◽  
Author(s):  
Muhammad Musthofa ◽  
Lindiawati .
Keyword(s):  
Behavioral Intentions ◽  
Structural Equation ◽  
Technological Development ◽  
Partial Least Square ◽  
Least Square ◽  
Relative Advantage ◽  
Equation Modeling ◽  
Mobile Banking ◽  
Perceived Complexity ◽  
The Impact

Using technology in every day's daily activities is not a stranger anymore, rapid technological development is very influential on economic and social activities. Technological advances also affect the banking world electronically. One of the services enhanced by banks is the mobile banking facility. This study aims to analyze the influence of relative advantage, perceived complexity perceived compatibility,, perceived triability on behavioral intentions and the impact on the use of BRI mobile banking in Surabaya. Sample of this research are 100 respondents and this research is done in Surabaya. Sample is drawn using purposive sampling methods. This study uses Partial Least Square Structural Equation Modeling 6.0 (PLS-SEM) analysis technique. The results of this study reveals that relative advantage, perceived complexity, perceived compatibility, perception of behavioral intentions have a significant effect on using BRI’s mobile baking and while perceived triability does not significantly influence behavioral intention on using BRI’s mobile baking. Anyhow behavioral intension to use significantly affects BRI's mobile banking user.

scholarly journals ANALYSIS THE EFFECT OF HABIT AND PERCEIVED ENJOYMENT MEDIATED BY BEHAVIOURAL INTENTION TO ADOPTION ON STUDENTS USING MOBILE BANKING BNI

2020 ◽  
Vol 15 (1) ◽  
pp. 78-94
Author(s):  
Indah Septiana ◽  
Muhartini Salim ◽  
Muhammad Yasser Iqbal Daulay
Keyword(s):  
Quantitative Study ◽  
Total Sample ◽  
Partial Least Square ◽  
Least Square ◽  
Behavioural Intention ◽  
Mobile Banking ◽  
Snowball Sampling ◽  
Research Framework ◽  
Subsequent Research ◽  
Perceived Enjoyment

The purpose of this study aims to analyze the effect of habit and perceived enjoyment, mediated by behavioural intention on adoption in students using BNI mobile banking at university of Bengkulu. This research is a casual quantitative study. The total sample of the study is 150 respondents, data were collected using snowball sampling and analyzed using SEM PLS (partial least square). Based on the results of the study explained that habits and perceived enjoyment mediated by behavioural intention support the use of mobile banking at Bengkulu University. This study has several limitations such as, uneven distribution of respondents, and the theoretical scope of research. Subsequent research can determine respondents more evenly, and can expand and modify the research framework to be able to measure or study more deeply about the related variables in this study.Keywords: Habit, Perceived Enjoyment, Behavioural Intention, Adoption.

scholarly journals Factors effecting customer satisfaction of mobile banking in Bangladesh: a study on young users' perspective

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Nusrat Jahan ◽  
Golam Shahria
Keyword(s):  
Customer Satisfaction ◽  
Structural Equation ◽  
Practical Implication ◽  
Partial Least Square ◽  
Least Square ◽  
Relative Advantage ◽  
Primary Data ◽  
Young Generation ◽  
Mobile Banking ◽  
Content Type

PurposeIn Bangladesh, the banking companies have huge opportunity to capture market share by properly understanding the critical aspect of customer satisfaction. This paper mainly focuses on young generation as target group to find out their differential perception. This study aims to identify most influencing factors and determine their influencing power on young customer's satisfaction and retention in mobile banking.Design/methodology/approachIt is a quantitative research with self-administered questionnaire as primary data collection instrument. Existing literature and published articles are reviewed as secondary data for hypothesis development. Out of 300 questionnaires, 279 usable questionnaires were returned and these collected data were analyzed by partial least square-structural equation model (PLS-SEM) with the use of Smart_PLS (V 327) to validate the model and test the hypothesis.FindingsThe findings of the research revealed that expense, responsiveness and relative advantage have significant influence while security and convenience have insignificant influence on satisfaction. But they are not directly related with loyalty although satisfaction and loyalty strongly related with each other.Originality/valueAlthough mobile banking is not a new issue in Bangladesh, the use of PLS_SEM to measure young user's satisfaction as the customer of mobile banking is not available in literature. So, this paper is an attempt to fill up this gap. In spite of having some limitation the research provides some practical implication for banks with better strategic insight to design mobile banking services to yield higher customer satisfaction.

Towards Managing Organizational Change: An Empirical Study

2021 ◽  
Vol 3 (2) ◽  
pp. 41-50
Author(s):  
Sulaiman Abdullahi Bambale ◽  
Saheed Ademola Lateef ◽  
Ibrahim Abdulmalik
Keyword(s):  
Organizational Change ◽  
Structural Equation ◽  
Employee Commitment ◽  
Employee Motivation ◽  
Partial Least Square ◽  
Least Square ◽  
Trust Building ◽  
Observation Data ◽  
Study Results ◽  
The Relationship

This study examines the relationship between trust buildings, motivating employees, and employee commitment toward organizational change. A self-administrated questionnaire was used to gather data. The study provides a basic understanding of organizational change. Through systemic, theoretical, and conceptual understanding, the arguments of the study are built on the importance of communication in the organization and how in bringing organizational change. The current study proposed that trust-building, employee motivation, and employee commitment will be related to organizational change. A total of 292 copies of completed questionnaires were returned, representing 90.7% of the total questionnaire distribution to both managers and owners of manufacturing firms. Out of which, only 275 questionnaires were usable for the analysis after removing incomplete data and outliers. Partial Least Square-Structural Equation Modelling (PLS-SEM) was used to analyze as a popularly accepted model to justify the theory with the observation data. The study results revealed that trust-building, employee motivation and employee commitment have significant effects on organizational change. The current study also claims the importance of collaboration within employees of any organization at the level of transition. The current study will help professionals and academics and enhancing their leadership abilities, it will benefit and inspire trust members to show better outcomes. However, it is recommended that further research is needed in this direction to confirm the result of this study. Finally, this study concludes that trust-building, employee commitment and employee motivation play a significant role in organizational change.

scholarly journals What keeps Islamic mobile banking customers loyal?

2019 ◽  
Vol 10 (2) ◽  
pp. 525-542 ◽  
Author(s):  
Mohamed Asmy Bin Mohd Thas Thaker ◽  
Md Fouad Bin Amin ◽  
Hassanudin Bin Mohd Thas Thaker ◽  
Anwar Bin Allah Pitchay
Keyword(s):  
Customer Satisfaction ◽  
Customer Service ◽  
Mediating Effect ◽  
Primary Data ◽  
Islamic Banking ◽  
Intention To Use ◽  
Mobile Banking ◽  
Continuance Intention ◽  
Banking Services ◽  
Content Type

Purpose This study aims to find important factors of Malaysian Islamic banking customers’ loyalty or continuance intention to use Islamic mobile banking services. Design/methodology/approach The primary data are collected from the survey administered to 250 customers in the Klang Valley and the analysis is conducted using partial least squares (PLS). Findings Based on the findings, continuance intention of using Islamic mobile banking services was found to be depended on the usability of mobile banking services, customer service provided by Islamic banks towards mobile banking services, customer satisfaction on mobile banking services and trust of customers towards mobile banking services. In addition, the mediating effect of Islamic mobile banking services continuance adoption is significantly influenced by customer satisfaction and trust. Research limitations/implications The sample size and area of study become the obvious limitations, and interpretation of the results and conclusion cannot be as generalised. In addition, as the respondents of this study are existing customers who have used Islamic mobile banking services at least once, relying on the perception of one key informant might imply cognitive biases. Besides, the use of current factors might limit the ability to explore other potentially important determinants of the customers’ continuance intention in using Islamic mobile banking services. Practical implications By understanding these continuance intention factors amongst the customers, it would help the industry player particularly Islamic banking to plan and strategise appropriate policies and support necessary programmes on diversifying and promoting financial transaction using mobile banking services amongst their existing and potential customers. Originality/value This paper offers an additional literature on Islamic mobile banking, especially from the Malaysian context. There is a lack of study that focuses on loyalty towards Islamic mobile banking services. The paper is considered to be the first attempt to examine the factors that influence Malaysian Islamic banking customers’ loyalty or continuance intention to use Islamic mobile banking services.

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