Title: User acceptance of Islamic banking in Indonesia: the implementation of technology acceptance models

Authors: Taufik Faturohman; Mega Zhafarina Purwono; Say Keat Ooi

Addresses: School of Business and Management, Institut Teknologi Bandung, Bandung, 40132, Indonesia ' School of Business and Management, Institut Teknologi Bandung, Bandung, 40132, Indonesia ' Graduate School of Business, Universiti Sains Malaysia, 11800, Malaysia

Abstract: The emergence of the Islamic banking system is to accommodate the demand of Muslims for financing that complies with their religious values. Islamic banking is important in the global economy because 34.8% of world population are Muslims. However, the market share of Islamic banks in Indonesia is still low. Therefore, the purpose of this study is to assess the factors influencing Indonesian customers' acceptance of Islamic banking using the technology acceptance model. This study found that perceived usefulness and religiosity directly influences user acceptance. In addition, user acceptance is also indirectly influenced by perceived ease of use and trust.

Keywords: Islamic bank; user acceptance; TAM; technology acceptance model; behavioural intention; perceived usefulness; religiosity; Indonesia.

DOI: 10.1504/IJMEF.2024.139028

International Journal of Monetary Economics and Finance, 2024 Vol.17 No.2/3, pp.229 - 237

Received: 11 Feb 2022
Accepted: 19 Aug 2022

Published online: 10 Jun 2024 *

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