Determinants of consumer intentions toward islamic digital banking in Indonesia Insights from the unified theory of acceptance and use of technology

Indah Wahyuningsih, Mamduh Hanafi, Leo Indra Wardana and Agusta Ika Prihanti Nugraheni
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Indah Wahyuningsih: Universitas Gadjah Mada
Mamduh Hanafi: Faculty of Economics and Business, Universitas Gadjah Mada, Yogyakarta, Indonesia, 55281.
Leo Indra Wardana: Department of Economics and Business Vocational School Gadjah Mada University,
Agusta Ika Prihanti Nugraheni: Department of Economics and Business Vocational School Gadjah Mada University, Yogyakarta, Indonesia, 55281.

International Journal of Research in Business and Social Science (2147-4478), 2025, vol. 14, issue 4, 42-49

Abstract: The objective of this study was to explore the factors influencing the intention to use Islamic digital banking in Indonesia, focusing on the roles of performance expectancy, effort expectancy, social influence, facilitating conditions, habit, hedonic motivation, price value, and religiosity. Data were collected from a sample of 434 respondents in January 2024 through an online survey. The study utilized a research model based on the Unified Theory of Acceptance and Use of Technology (UTAUT) framework. The data were analyzed using structural equation modeling (SEM). The results indicate that effort expectancy, social influence, habit, price value, and religiosity significantly affect the behavioral intention to use Islamic digital banking, while performance expectancy, facilitating conditions, and hedonic motivation did not show significant effects. These findings highlight the importance of religious and ethical considerations, ease of use, and social factors in shaping the adoption of Islamic digital banking services. The study offers valuable insights for practitioners and policymakers, emphasizing the need for tailored strategies that promote the use of Islamic digital banking in Indonesia. Key Words:Islamic digital banking, technology adoption, religiosity, social influence, UTAUT

Date: 2025
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