Niat Menggunakan Mobile Banking Syariah: Analisis Technology Acceptance Model (Tam) dengan Persepsi Kepatuhan Syariah pada Masyarakat Purwokerto
DOI:
https://doi.org/10.62710/fam31d79Keywords:
Persepsi Kemudahan, Persepsi Kemanfaatan, Persepsi Kepatuhan Syariah, Niat Menggunakan, mobile banking syariah.Abstract
This study aims to analyze the effects of Perceived Ease of Use, Perceived Usefulness, and Perceived Sharia Compliance on the Intention to Use Sharia-compliant mobile banking. This study employed a quantitative approach using a survey method. The sample consisted of 104 respondents who used or had experience with Sharia-compliant mobile banking services in Purwokerto, Central Java. Data were collected through questionnaires and analyzed using multiple linear regression with the assistance of SPSS. The results showed that Perceived Ease of Use had no significant effect on Intention to Use, with a significance value of 0.107 > 0.05, indicating that H1 was rejected. Perceived Usefulness had a positive and significant effect on Intention to Use, with a significance value of 0.001 < 0.05 and a Standardized Beta coefficient of 0.317, indicating that H2 was accepted. Perceived Sharia Compliance had a positive and significant effect on Intention to Use, with a significance value of 0.000 < 0.05 and a Standardized Beta coefficient of 0.391, indicating that H3 was accepted. Simultaneously, Perceived Ease of Use, Perceived Usefulness, and Perceived Sharia Compliance had a significant effect on Intention to Use, as indicated by an F-value of 33.792 with a significance value of 0.001 < 0.05, indicating that H4 was accepted. The R Square value of 0.503 indicates that the three independent variables explain 50.3% of the variation in Intention to Use, while the remaining 49.7% is explained by other factors outside the research model.
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