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Determining Factors of Islamic Mobile Banking (Mobile Participation Banking) Usage in Türkiye: Analysis of TAM and Religiosity-Intention Model

Author

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  • Yunus KUTVAL

Abstract

This work aims to examine the factors affecting mobile banking adoption by Islamic (participation) bank customers through the integration of the Technology Acceptance Model (TAM) and the Religiosity-Intention Model (RIM). In this context, Islamic bank customers in Türkiye were selected as the sample, and 358 people were surveyed. The partial least squares structural equation model (PLS-SEM) was used to reveal the relationship between perceived usefulness (PU), perceived ease of use (PEU), user satisfaction, religiosity, and intention to use among variables. The findings confirm that Islamic mobile banking adoption is effectively explained with the integration of TAM and RIM. In this context, PU and PEU play a critical role in mobile banking adoption. In addition, religiosity was found to have a positive effect on user satisfaction and intention to use. Islamic banks, by developing user-friendly mobile applications and emphasizing religious sensitivities, have the potential to increase customer satisfaction. Increasing the knowledge and awareness of users about mobile banking is also crucial.

Suggested Citation

  • Yunus KUTVAL, 2025. "Determining Factors of Islamic Mobile Banking (Mobile Participation Banking) Usage in Türkiye: Analysis of TAM and Religiosity-Intention Model," Fiscaoeconomia, Tubitak Ulakbim JournalPark (Dergipark), issue 3.
    • Handle: RePEc:fis:journl:250311
    DOI: 10.25295/fsecon.1642321
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    References listed on IDEAS

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    1. Muslim Amin & Sajad Rezaei & Maryam Abolghasemi, 2014. "User satisfaction with mobile websites: the impact of perceived usefulness (PU), perceived ease of use (PEOU) and trust," Nankai Business Review International, Emerald Group Publishing Limited, vol. 5(3), pages 258-274, July.
    2. Alex Fahrur Riza & Muhammad Riza Hafizi, 2019. "Customers attitude toward Islamic mobile banking in Indonesia: Implementation of TAM," Asian Journal of Islamic Management (AJIM), Center for Islamic Economics and Development Studies [P3EI], vol. 1(2), pages 75-84.
    3. Nor Khasimah Aliman & Zailin Zainal Ariffin & Shareena Mohamed Hashim, 2018. "Religiosity Commitment and Decision-Making Styles Among Generation Y Muslim Consumers in Malaysia," International Journal of Academic Research in Business and Social Sciences, Human Resource Management Academic Research Society, International Journal of Academic Research in Business and Social Sciences, vol. 8(1), pages 554-576, January.
    4. Muslim Amin & Sajad Rezaei & Maryam Abolghasemi, 2014. "User satisfaction with mobile websites: the impact of perceived usefulness (PU), perceived ease of use (PEOU) and trust," Nankai Business Review International, Emerald Group Publishing Limited, vol. 5(3), pages 258-274, July.
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    Keywords

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    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes
    • Q56 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Environmental Economics - - - Environment and Development; Environment and Trade; Sustainability; Environmental Accounts and Accounting; Environmental Equity; Population Growth
    • Z12 - Other Special Topics - - Cultural Economics - - - Religion

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