IDEAS home Printed from https://ideas.repec.org/a/rbs/ijbrss/v14y2025i4p42-49.html
   My bibliography  Save this article

Determinants of consumer intentions toward islamic digital banking in Indonesia Insights from the unified theory of acceptance and use of technology

Author

Listed:
  • Indah Wahyuningsih

    (Universitas Gadjah Mada)

  • Mamduh Hanafi

    (Faculty of Economics and Business, Universitas Gadjah Mada, Yogyakarta, Indonesia, 55281.)

  • Leo Indra Wardana

    (Department of Economics and Business Vocational School Gadjah Mada University,)

  • Agusta Ika Prihanti Nugraheni

    (Department of Economics and Business Vocational School Gadjah Mada University, Yogyakarta, Indonesia, 55281.)

Abstract

The objective of this study was to explore the factors influencing the intention to use Islamic digital banking in Indonesia, focusing on the roles of performance expectancy, effort expectancy, social influence, facilitating conditions, habit, hedonic motivation, price value, and religiosity. Data were collected from a sample of 434 respondents in January 2024 through an online survey. The study utilized a research model based on the Unified Theory of Acceptance and Use of Technology (UTAUT) framework. The data were analyzed using structural equation modeling (SEM). The results indicate that effort expectancy, social influence, habit, price value, and religiosity significantly affect the behavioral intention to use Islamic digital banking, while performance expectancy, facilitating conditions, and hedonic motivation did not show significant effects. These findings highlight the importance of religious and ethical considerations, ease of use, and social factors in shaping the adoption of Islamic digital banking services. The study offers valuable insights for practitioners and policymakers, emphasizing the need for tailored strategies that promote the use of Islamic digital banking in Indonesia. Key Words:Islamic digital banking, technology adoption, religiosity, social influence, UTAUT

Suggested Citation

  • Indah Wahyuningsih & Mamduh Hanafi & Leo Indra Wardana & Agusta Ika Prihanti Nugraheni, 2025. "Determinants of consumer intentions toward islamic digital banking in Indonesia Insights from the unified theory of acceptance and use of technology," International Journal of Research in Business and Social Science (2147-4478), Center for the Strategic Studies in Business and Finance, vol. 14(4), pages 42-49, June.
    • Handle: RePEc:rbs:ijbrss:v:14:y:2025:i:4:p:42-49
    DOI: 10.20525/ijrbs.v14i4.4240
    as

    Download full text from publisher

    File URL: https://ssbfnet.com/ojs/index.php/ijrbs/article/view/4240/2796
    Download Restriction: no
    File URL: https://doi.org/10.20525/ijrbs.v14i4.4240
    Download Restriction: no
    File URL: https://libkey.io/10.20525/ijrbs.v14i4.4240?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    More about this item

    Keywords

    ;
    ;
    ;
    ;
    ;

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:rbs:ijbrss:v:14:y:2025:i:4:p:42-49. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Umit Hacioglu (email available below). General contact details of provider: https://edirc.repec.org/data/ssbffea.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.