The continuance intention to use Islamic digital bank: the extended theory of expectation confirmation model

Purpose The study aims to examine the impact of expectation confirmation, perceived usefulness, trust, data security and user satisfaction on the continuance intention to use Islamic digital banking in Indonesia. Design/methodology/approach Structural equation modeling using partial least squares was used to analyze data obtained from 302 customers of an Islamic digital bank through an online survey. Findings The continuance intention of using Islamic digital banking services depends on perceived usefulness, data security, satisfaction and trust. In addition, satisfaction and trust significantly mediate the relationship between security, usefulness and continuance usage intention. Research limitations/implications This study emphasizes the need for Islamic digital banks to prioritize developing consumer trust by offering services that are consistent with Islamic values and being transparent about data protection. Increased openness and communication about the security measures used, including unambiguous information on user data protection and fraud prevention initiatives, can boost user trust, improve loyalty to use. Practical implications This study emphasizes the need for Islamic digital banks to prioritize developing consumer trust by offering services that are consistent with Islamic values and transparent about data protection. Increased transparency and communication about the security measures used, including clear information about user data protection and fraud prevention initiatives, can enhance users’ trust and improve their loyalty. Originality/value This study of the role of data security on the continuance of use is highly relevant to Islamic digital banking, particularly as it is sensitive to cases related to the cyber-attacks.