Issue

Vol. 11 No. 2 (2024): December

Date Log

Submitted
19 June 2024
Accepted
2 July 2025
Published
31 December 2024

Copyright (c) 2024 Mohammad Hamim Sultoni, Mila Darmawati, Ah. Shibghatullah Mujaddidi, Fahrurrozi Fahrurrozi, Farid Firmansyah (Author)

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This work is licensed under a Creative Commons Attribution 4.0 International License.

Sacred Simplicity? Exploring TAM and User Intent in Islamic Bank Mobile Services in Indonesia

https://doi.org/10.24252/minds.v11i2.48518
Mohammad Hamim Sultoni
Institut Agama Islam Negeri Madura, Indonesia
Mila Darmawati
Institut Agama Islam Negeri Madura, Indonesia
Ah. Shibghatullah Mujaddidi
Institut Agama Islam Madura, Indonesia
Fahrurrozi Fahrurrozi
Institut Agama Islam Negeri Madura, Indonesia
Farid Firmansyah
Institut Agama Islam Madura, Indonesia

Corresponding Author(s) : Mohammad Hamim Sultoni

[email protected]

Jurnal Minds: Manajemen Ide dan Inspirasi, Vol. 11 No. 2 (2024): December

Abstract

This study explores the antecedents of customer satisfaction among mobile banking users by refining the Technology Acceptance Model (TAM) through the lens of intention to use as a mediating mechanism. In doing so, it deepens the conceptual scaffolding of TAM by juxtaposing ease, utility, and volition within a digital Islamic banking context. A survey of 150 active BSI mobile banking users across multiple provinces was analyzed using Partial-Least-Squared Structural Equation Modeling. The results indicate that ease of use significantly bolsters satisfaction—directly and indirectly—while perceived usefulness exerts its influence chiefly through intention. Surprisingly, usefulness alone fails to predict satisfaction, suggesting a more nuanced psychological calculus in fintech adoption. These insights furnish digital banking strategists with a practical blueprint: prioritize interface simplicity to cultivate loyalty and perceived value.

Keywords

Technology Acceptance Model (TAM) Islamic Banking Mobile Banking Adoption User Intention Customer Satisfaction
Sultoni, M. H., Darmawati, M., Mujaddidi, A. S., Fahrurrozi, F., & Firmansyah, F. (2024). Sacred Simplicity? Exploring TAM and User Intent in Islamic Bank Mobile Services in Indonesia. Jurnal Minds: Manajemen Ide Dan Inspirasi, 11(2), 355–366. https://doi.org/10.24252/minds.v11i2.48518
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Author Biographies

Mohammad Hamim Sultoni, Institut Agama Islam Negeri Madura
Faculty Economics and Islamic Business
Mila Darmawati, Institut Agama Islam Negeri Madura
Faculty Economics and Islamic Business
Ah. Shibghatullah Mujaddidi, Institut Agama Islam Madura
Faculty Economics and Islamic Business
Fahrurrozi Fahrurrozi, Institut Agama Islam Negeri Madura
Faculty Economics and Islamic Business
Farid Firmansyah, Institut Agama Islam Madura
Faculty Economics and Islamic Business
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