Continuance intention of Islamic internet-only banks: lessons learned from Indonesian users

This study investigates the factors influencing the continuance intention of products and services offered by Islamic Internet-only Banks (IIOBs) in Indonesia. While the literature on digital financial technology adoption continues to grow, limited research has specifically addressed customer behavior in the context of IIOBs, particularly regarding Islamic compliance. Employing partial least squares structural equation modeling on samples of 256 Indonesian Muslim IIOBs users, the study finds that performance expectancy, price value, and online social influence have a significant positive impact on customers’ positive attitudes toward IIOBs. In turn, effort expectancy, price value, online social influence, and Islamic compliance significantly influence customers’ continuance intention. However, the moderating analysis reveals that Islamic compliance plays a more substantial role in enhancing psychological expressions, such as positive attitudes toward IIOBs, rather than influencing the technological features promoted by the banks. These findings contribute to the theoretical discourse on Islamic digital banking adoption and offer practical insights for the strategic development of IIOBs in the future.