Determining Factors of Islamic Mobile Banking (Mobile Participation Banking) Usage in Türkiye: Analysis of TAM and Religiosity-Intention Model

This work aims to examine the factors affecting mobile banking adoption by Islamic (participation) bank customers through the integration of the Technology Acceptance Model (TAM) and the Religiosity-Intention Model (RIM). In this context, Islamic bank customers in Türkiye were selected as the sample, and 358 people were surveyed. The partial least squares structural equation model (PLS-SEM) was used to reveal the relationship between perceived usefulness (PU), perceived ease of use (PEU), user satisfaction, religiosity, and intention to use among variables. The findings confirm that Islamic mobile banking adoption is effectively explained with the integration of TAM and RIM. In this context, PU and PEU play a critical role in mobile banking adoption. In addition, religiosity was found to have a positive effect on user satisfaction and intention to use. Islamic banks, by developing user-friendly mobile applications and emphasizing religious sensitivities, have the potential to increase customer satisfaction. Increasing the knowledge and awareness of users about mobile banking is also crucial.