Analysis Of The Influence Of Digital Financial Literacy, Perceived Ease Of Use, Perceived Halalness, And Privacy Concerns On Students’ Interest In Using Sharia Digital Banks In Greater Solo

Erdinalia Ellis Sholekhah; Rais Sani Muharrami; Vincent Olawale Bamidele

Authors

Erdinalia Ellis Sholekhah Raden Mas Said Islamic State University, Indonesia
Rais Sani Muharrami Raden Mas Said Islamic State University, Indonesia
Vincent Olawale Bamidele Federal College of Education, Zamfara State, Nigeria

Keywords:

Digital Financial Literacy, Perceived Ease Of Use, Perceived Halalness, Privacy Concerns, Islamic Digital Banking

Abstract

This study aims to analyze the factors influencing students’ Behavioral Intention to use Islamic digital banking in Greater Solo by employing a modified Technology Acceptance Model (TAM). The model integrates Digital Financial Literacy, Perceived Ease of Use, Halal Perception, and Privacy Concern as key determinants. This research adopts a quantitative approach, with data collected from university students through structured questionnaires and analyzed using SEM-PLS. The results indicate that Digital Financial Literacy, Perceived Ease of Use, and Halal Perception have a positive and significant effect on Behavioral Intention, while Privacy Concern does not have a significant influence. The findings suggest that students tend to prioritize system usability, financial capability, and alignment with Sharia principles over perceived privacy risks. This study contributes to the extension of TAM by incorporating capability-based and value-based determinants into the framework of Islamic digital banking adoption.

Author Biography

Rais Sani Muharrami, Raden Mas Said Islamic State University, Indonesia

Rais Sani Muharrami is a lecturer in the Department of Islamic Banking, Faculty of Islamic Economics and Business. His academic interests include Islamic banking, Sharia finance, digital financial services, and financial literacy.

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