Analysis Of Intention To Use Digital Islamic Banking Among University Students In Indonesia

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  • Rifa'i Tri Hantoro Islamic Economics Department, Faculty of Econoics and Business Airlangga University, Airlangga Street 4-6, Surabaya, East Java, Indonesia.
  • Fatin Fadhilah Hasib Islamic Economics Department, Faculty of Econoics and Business Airlangga University, Airlangga Street 4-6, Surabaya, East Java, Indonesia.
  • Dewi Rahmawati Maulidiyah Islamic Economics Department, Faculty of Economics and Business Airlangga University, Airlangga Street 4-6, Surabaya, East Java, Indonesia.
  • Widiyanti Ayu Nilasari Islamic Economics Department, Faculty of Economics and Business Airlangga University, Airlangga Street 4-6, Surabaya, East Java, Indonesia.
  • Rosyidah Wardah Hambali Islamic Economics Department, Faculty of Economics and Business Airlangga University, Airlangga Street 4-6, Surabaya, East Java, Indonesia.



Islamic Digital Banks, Intention to Use, Attitude, Social Influence, Features


The current growth of digital banks is accelerating. This can be seen from the number of users experiencing significant growth throughout the world, including Indonesia. Perceived usefulness and religiosity are important things to create attitude. If these things and social influence as well as features are perceived by potential users, it can lead to intention to use. The purpose of this research is to analyze the effect of perceived usefulness and religiosity through attitude and social influence as well as features as exogenous variables on intention to use on Islamic Digital Banks. This study uses quantitative research methods using SEM-PLS analysis techniques. Data collection was obtained through a Likert scale questionnaire. The sample collection used a convenience sampling technique with a sample size of 106 respondents. The sample criteria in this study were Muslim university students throughout Indonesia aged 20-24 years. The results indicated that perceived usefulness and religiosity have a positive influence on Intention to Use through Attitude towards Islamic Digital Banks. Meanwhile, social influence and features have a direct and significant positive effect on intention to use on Islamic Digital Banks. The conclusion of this research suggest that Islamic digital banks should actively coordinating with fatwa-making institutions to jointly declare that Islamic digital banks are not prohibited by Islam. Thus, the public will be more assured to use Islamic digital bank services, so that the number of customers will increase.


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DOI: 10.33102/jmifr.526
Published: 2023-12-01

How to Cite

Rifa’i Tri Hantoro, Hasib, F. F., Dewi Rahmawati Maulidiyah, Widiyanti Ayu Nilasari, & Hambali, R. W. . (2023). Analysis Of Intention To Use Digital Islamic Banking Among University Students In Indonesia. The Journal of Muamalat and Islamic Finance Research, 20(2), 135-151.



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