Examining Factors Affecting the Acceptance of Islamic Mobile Banking in Indonesia: Insights into Technology, Customer Behaviour, and Sharia Compliance

Purpose - This study examines the main factors influencing the adoption of Islamic mobile banking (IMB), considering technology, behaviour, and Sharia compliance. The integration of these factors in IMB adoption research remains notably limited. This research provided a comprehensive framework by extending the Technology Acceptance Model and Theory of Planned Behaviour and incorporating Sharia compliance. Design/Methodology/Approach - The study utilizes survey data collected from 1161 IMB users in Indonesia. It uses the Partial Least Squares-Structural Equation Modeling technique to examine the impact of antecedents on the intention to adopt IMB. Findings - The results indicate that perceived usefulness and ease of use, as well as other pertinent behavioural factors such as attitude, subjective norms, and sharia compliance, positively and significantly influenced the adoption of IMB. However, the construct of perceived behaviour control has not impacted the Customer Satisfaction. Originality/Value - This study contributes by integrating diverse theories to offer insights into the nature of technology adoption, specifically focusing on mobile banking.