DOI: https://doi.org/10.14710/vol16iss1pp%25p

From Faith to Fintech: The Role of Religiosity within the UTAUT Framework in Shaping Islamic Digital Banking Adoption

*Ibnu Muttaqin orcid scopus  -  Islamic Banking Department, Faculty of Islamic Economics and Business, Universitas Islam Negeri Sunan Kudus, Jl. Conge Ngembalrejo, Ngembal Rejo, Ngembalrejo, Kec. Bae, Kabupaten Kudus, Jawa Tengah, Indonesia 59322, Indonesia
Umarul Faruq  -  Islamic Banking Department, Faculty of Islamic Economics and Business, Universitas Islam Negeri Madura, Jl. Raya Panglegur No.Km. 4, Barat, Ceguk, Kec. Tlanakan, Kabupaten Pamekasan, Jawa Timur, Indonesia 69371, Indonesia
Agep Rumanto  -  Islamic Banking Department, Faculty of Islamic Economics and Business, Universitas Islam Negeri Sunan Kudus, Jl. Conge Ngembalrejo, Ngembal Rejo, Ngembalrejo, Kec. Bae, Kabupaten Kudus, Jawa Tengah, Indonesia 59322, Indonesia
Open Access Copyright (c) 2026 Jurnal Sistem Informasi Bisnis

Citation Format:
Abstract
The rapid growth of digital banking services has revolutionized the global financial industry. However, the adoption of Islamic digital banking continues to warrant empirical examination, particularly in Muslim-majority countries such as Indonesia. As religious values increasingly influence financial decision-making, it is important to understand the behavioral factors that drive the adoption of Islamic digital banking services. This study aims to examine the determinants of Islamic digital banking adoption in Indonesia by employing the Unified Theory of Acceptance and Use of Technology (UTAUT), extended by incorporating religiosity as both a direct predictor and a moderating variable. A total of 223 respondents who are active users of Islamic digital banking services participated in this study. Data were collected through an online questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that social influence and facilitating conditions significantly affect both behavioral intention and actual usage behavior. Religiosity also plays a direct role in shaping customers’ behavior, but it does not moderate the relationship between behavioral intention and actual usage. In contrast, perceived usefulness and perceived ease of use do not show a significant effect on adoption intention. These findings highlight the importance of leveraging community-based social influence and strengthening digital infrastructure. Islamic banks are therefore encouraged to collaborate with credible influencers, enhance service reliability, and integrate Islamic values into customer education programs in order to promote wider adoption of Islamic digital banking services.

Note: This article has supplementary file(s).

Fulltext |  Data Set
Data Set
Subject
Type Data Set
  Download (22KB)    Indexing metadata
Email colleagues
Keywords: Islamic digital banking; UTAUT; Religiosity

Article Metrics:

Article Info
Section: Research Articles
Language : EN
Most cited articles
Implementasi Metode AHP Dan Promethee Untuk Pemilihan Supplier Perencanaan Infrastruktur Teknologi Informasi pada Bank dengan Framework TOGAF Studi Pengamanan Login Pada Sistem Informasi Akademik Menggunakan Otentifikasi One Time Password Berbasisis SMS dengan Hash MD5 Pengukuran Kesadaran Keamanan Informasi Dan Privasi Pada Pengguna Smartphone Android Di Indonesia Perancangan Model Data Flow Diagram Untuk Mengukur Kualitas Website Menggunakan Webqual 4.0 More cited articles
  1. AbuShanab, E., & Pearson, J. M. 2007. Internet banking in Jordan: The unified theory of acceptance and use of technology (UTAUT) perspective. Journal of Systems and Information Technology, 9(1), 78–97
  2. https://doi.org/10.1108/13287260710817700
  3. Alkhowaiter, W. A. 2022. Use and behavioural intention of m-payment in GCC countries: Extending meta-UTAUT with trust and Islamic religiosity. Journal of Innovation & Knowledge, 7(4), 100240
  4. https://doi.org/10.1016/j.jik.2022.100240
  5. Anggraeni, R., Hapsari, R., & Muslim, N. A. 2021. Examining Factors Influencing Consumers Intention and Usage of Digital Banking: Evidence from Indonesian Digital Banking Customers. Asia Pacific Management and Business Application, 009(03), 193–210
  6. https://doi.org/10.21776/ub.apmba.2021.009.03.1
  7. Atal, N. U., Iranmanesh, M., Hashim, F., & Foroughi, B. 2022. Drivers of intention to use Murabaha financing: Religiosity as moderator. Journal of Islamic Marketing, 13(3), 740–762
  8. https://doi.org/10.1108/JIMA-07-2019-0147
  9. Bajunaied, K., Hussin, N., & Kamarudin, S. 2023. Behavioral intention to adopt FinTech services: An extension of unified theory of acceptance and use of technology. Journal of Open Innovation: Technology, Market, and Complexity, 9(1), 100010
  10. https://doi.org/10.1016/j.joitmc.2023.100010
  11. Bank BSI. 2024, July 19. Transaksi Digital Banking Naik 45%, BSI Apreasiasi Nasabah Lewat Hujan Rezeki BSI Mobile. Bank Syariah Indonesia
  12. https://www.bankbsi.co.id/news-update/berita/transaksi-digital-banking-naik-45-bsi-apreasiasi-nasabah-lewat-hujan-rezeki-bsi-mobile
  13. Baptista, G., & Oliveira, T. 2017. Why so serious? Gamification impact in the acceptance of mobile banking services. Internet Research, 27(1), 118–139
  14. https://doi.org/10.1108/IntR-10-2015-0295
  15. Batucan, G. B., Gonzales, G. G., Balbuena, M. G., Pasaol, K. R. B., Seno, D. N., & Gonzales, R. R. 2022. An Extended UTAUT Model to Explain Factors Affecting Online Learning System Amidst COVID-19 Pandemic: The Case of a Developing Economy. Frontiers in Artificial Intelligence, 5
  16. https://doi.org/10.3389/frai.2022.768831
  17. Chang, C.-C. 2013. Library mobile applications in university libraries. Library Hi Tech, 31(3), 478–492
  18. https://doi.org/10.1108/LHT-03-2013-0024
  19. Chawla, D., & Joshi, H. 2019. Consumer attitude and intention to adopt mobile wallet in India – An empirical study. International Journal of Bank Marketing, 37(7), 1590–1618
  20. https://doi.org/10.1108/IJBM-09-2018-0256
  21. Churchill Jr, G. A. 1979. A paradigm for developing better measures of marketing constructs. Journal of Marketing Research, 16(1), 64–73
  22. CNBC Indonesia. 2023, May 10. Mobile Banking & ATM BSI Error, Erick Thohir: Ada Serangan. CNBC Indonesia
  23. https://www.cnbcindonesia.com/market/20230510134054-17-436170/mobile-banking-atm-bsi-error-erick-thohir-ada-serangan
  24. DBS Group Holding. 2022. Sustainability Report 2022: Sparking Change, A Different Kind of Bank
  25. Donmez-Turan, A. 2019. Does unified theory of acceptance and use of technology (UTAUT) reduce resistance and anxiety of individuals towards a new system? Kybernetes, 49(5), 1381–1405
  26. https://doi.org/10.1108/K-08-2018-0450
  27. Farah, M. F., Hasni, M. J. S., & Abbas, A. K. 2018. Mobile-banking adoption: Empirical evidence from the banking sector in Pakistan. International Journal of Bank Marketing, 36(7), 1386–1413
  28. https://doi.org/10.1108/IJBM-10-2017-0215
  29. Fornell, C., & Larcker, D. F. 1981. Evaluating structural equation models with unobservable variables and measurement error. Journal of Marketing Research, 26(3), 154–169
  30. Ghozali, I. 2014. Structural Equation Modeling, Metode Alternatif dengan Partial Least Square (PLS) (4th edn). Badan Penerbit Universitas Diponegoro
  31. Giovanis, A., Assimakopoulos, C., & Sarmaniotis, C. 2019. Adoption of mobile self-service retail banking technologies: The role of technology, social, channel and personal factors. International Journal of Retail & Distribution Management, 47(9), 894–914
  32. https://doi.org/10.1108/IJRDM-05-2018-0089
  33. Gupta, K. P., Manrai, R., & Goel, U. 2019. Factors influencing adoption of payments banks by Indian customers: Extending UTAUT with perceived credibility. Journal of Asia Business Studies, 13(2), 173–195
  34. https://doi.org/10.1108/JABS-07-2017-0111
  35. Hair, J. F. 2006. Multivariate Data Analysis (6th edn). Pearson Prentice Hall
  36. Hair, J. F., Harrison, D. E., & Risher, J. J. 2018. Marketing Research in the 21st Century: Opportunities and Challenges. Revista Brasileira de Marketing, 17(5), 666–699
  37. https://doi.org/10.5585/bjm.v17i5.4173
  38. Hair, J. F., Howard, M. C., & Nitzl, C. 2020. Assessing measurement model quality in PLS-SEM using confirmatory composite analysis. Journal of Business Research, 109, 101–110
  39. https://doi.org/10.1016/j.jbusres.2019.11.069
  40. Hair, J. F., Ringle, C. M., & Sarstedt. 2013. A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM). Sage
  41. Hair, J. F., Sarstedt, M., Hopkins, L., & G. Kuppelwieser, V. 2014. Partial least squares structural equation modeling (PLS-SEM): An emerging tool in business research. European Business Review, 26(2), 106–121
  42. https://doi.org/10.1108/EBR-10-2013-0128
  43. Hasan, A. A.-T., & Rahman, M. T. 2023. Family takāful purchase intentions in Bangladesh: The mediating role of attitude and saving motives and the moderating role of religiosity. Islamic Economic Studies
  44. https://doi.org/10.1108/IES-03-2023-0012
  45. Huang, T. 2023. Expanding the UTAUT2 framework to determine the drivers of mobile shopping behaviour among older adults. PLOS ONE, 18(12), e0295581–e0295581. https://doi.org/10.1371/journal.pone.0295581
  46. Jadil, Y., Rana, N. P., & Dwivedi, Y. K. 2021. A Meta-Analysis of the UTAUT Model in the Mobile Banking Literature: The Moderating Role of Sample Size and Culture. Journal of Business Research, 132, 354–372
  47. https://doi.org/10.1016/j.jbusres.2021.04.052
  48. Juniper Research. 2020, March 3. Digital banking users to exceed 3.6 Billion globally by 2024, as digital-only banks catalyse market
  49. https://www.juniperresearch.com/press/digital-banking-users-to-exceed-3-6-billion
  50. Kassetty, N., ALANG, K. S., & Kandula, S. R. 2024. Green Finance and Fintech in Banking: Assessing Their Synergistic Impact on Environmental Performance. International Journal of Global Innovations and Solutions (IJGIS)
  51. https://doi.org/10.21428/e90189c8.a22fda5d
  52. Kaur, S., & Arora, S. 2020. Role of perceived risk in online banking and its impact on behavioral intention: Trust as a moderator. Journal of Asia Business Studies, 15(1), 1–30
  53. https://doi.org/10.1108/JABS-08-2019-0252
  54. Khan, S., Khan, S. U., Khan, I. U., Khan, S. Z., & Khan, R. U. 2023. Understanding consumer adoption of mobile payment in Pakistan. Journal of Science and Technology Policy Management
  55. https://doi.org/10.1108/JSTPM-07-2021-0110
  56. Kotler, P., & Keller, K. L. 2012. Marketing Management. United States of America : Pearson
  57. Kuosuwan, B., Risman, A., Dudukalov, E., & Kozlova, E. 2024. Digital banking and environmental impact: How Fintech supports carbon footprint reduction. BIO Web of Conferences, 145, 05017–05017
  58. https://doi.org/10.1051/bioconf/202414505017
  59. Mnif, E., Zghidi, N., & Jarboui, A. 2023. The influence of religiosity on cryptocurrency users’ acceptance using search engines. Arab Gulf Journal of Scientific Research
  60. https://doi.org/10.1108/AGJSR-02-2023-0062
  61. Moghavvemi, S., Mohd Salleh, N. A., & Standing, C. 2016. Entrepreneurs adoption of information system innovation: The impact of individual perception and exogenous factors on entrepreneurs behavior. Internet Research, 26(5), 1181–1208
  62. https://doi.org/10.1108/IntR-01-2014-0024
  63. Musyaffi, A. M., Sari, D. A. P., & RespatiI, D. K. 2021. Understanding of Digital Payment Usage During COVID-19 Pandemic: A Study of UTAUT Extension Model in Indonesia. The Journal of Asian Finance, Economics and Business, 8(6), 475–482
  64. https://doi.org/10.13106/JAFEB.2021.VOL8.NO6.0475
  65. Namahoot, K. S., & Jantasri, V. 2023. Integration of UTAUT model in Thailand cashless payment system adoption: The mediating role of perceived risk and trust. Journal of Science and Technology Policy Management, 14(4), 634–658
  66. https://doi.org/10.1108/JSTPM-07-2020-0102
  67. Negm, E. M. 2023. Consumers’ acceptance intentions regarding e-payments: A focus on the extended unified theory of acceptance and use of technology (UTAUT2). Management & Sustainability: An Arab Review
  68. https://doi.org/10.1108/MSAR-04-2023-0022
  69. Oseni, U. A., Adewale, A. A., & Omoola, S. O. 2018. The feasibility of online dispute resolution in the Islamic banking industry in Malaysia: An empirical legal analysis. International Journal of Law and Management, 60(1), 34–54
  70. https://doi.org/10.1108/IJLMA-06-2016-0057
  71. Otoritas Jasa Keuangan. 2021, July 30. PERATURAN OTORITAS JASA KEUANGAN REPUBLIK INDONESIA NOMOR 12 /POJK.03/2021 TENTANG BANK UMUM
  72. Otoritas Jasa Keuangan. 2022a. LAYANAN DIGITAL BANKING
  73. https://sikapiuangmu.ojk.go.id/FrontEnd/CMS/Article/345
  74. Otoritas Jasa Keuangan. 2022b. OJK TERBITKAN PANDUAN DIGITAL BANKING
  75. https://sikapiuangmu.ojk.go.id/FrontEnd/CMS/Article/348
  76. Owusu Kwateng, K., Osei Atiemo, K. A., & Appiah, C. 2019. Acceptance and use of mobile banking: An application of UTAUT2. Journal of Enterprise Information Management, 32(1), 118–151
  77. https://doi.org/10.1108/JEIM-03-2018-0055
  78. Pan, M., Blut, M., Ghiassaleh, A., & Lee, Z. W. Y. 2025. Influencer marketing effectiveness: A meta-analytic review. Journal of the Academy of Marketing Science, 53(1), 52–78
  79. https://doi.org/10.1007/s11747-024-01052-7
  80. Prasetyo, Y. T., Susanto, K. C., Chuang, K.-H., Yin, R.-T., Chen, J.-W., Zhang, Y.-X., Benito, O. P., Belmonte, Z. J. A., Cahigas, M. M. L., Nadlifatin, R., & Gumasing, Ma. J. J. 2025. Factors influencing the perceived usability of line pay: An extended technology acceptance model approach. Acta Psychologica, 255, 104924–104924
  81. https://doi.org/10.1016/j.actpsy.2025.104924
  82. Rachmawati, I. K., Bukhori, M., Majidah, Y., Hidayatullah, S., & Waris, A. 2020. Analysis of Use Of Mobile Banking With Acceptance and Use of Technology (UTAUT). 9(08), 8
  83. Rahi, S., & Abd.Ghani, M. 2019. Investigating the role of UTAUT and e-service quality in internet banking adoption setting. The TQM Journal, 31(3), 491–506
  84. https://doi.org/10.1108/TQM-02-2018-0018
  85. Rahi, S., Othman Mansour, M. M., Alghizzawi, M., & Alnaser, F. M. 2019. Integration of UTAUT model in internet banking adoption context: The mediating role of performance expectancy and effort expectancy. Journal of Research in Interactive Marketing, 13(3), 411–435
  86. https://doi.org/10.1108/JRIM-02-2018-0032
  87. Raza, S. A., Shah, N., & Ali, M. 2019. Acceptance of Mobile Banking in Islamic Banks Evidence from Modified UTAUT Model. Journal of Islamic Marketing, 10(1), 357–376
  88. https://doi.org/10.1108/JIMA-04-2017-0038
  89. Riptiono, S., Noor Susanti, D., Muliana Rhamdhani, I., Irma Anggraeni, A., & Prasetyo, A. 2021. Parsing religiosity and intention to use Islamic mobile banking in Indonesia. Banks and Bank Systems, 16(4), 34–44
  90. https://doi.org/10.21511/bbs.16(4).2021.04
  91. Sarstedt, M., Hair, J. F., Nitzl, C., Ringle, C. M., & Howard, M. C. 2020. Beyond a tandem analysis of SEM and PROCESS: Use of PLS-SEM for mediation analyses! International Journal of Market Research, 62(3), 288–299
  92. https://doi.org/10.1177/1470785320915686
  93. Sivathanu, B. 2019. Adoption of digital payment systems in the era of demonetization in India: An empirical study. Journal of Science and Technology Policy Management, 10(1), 143–171
  94. https://doi.org/10.1108/JSTPM-07-2017-0033
  95. Siyal, A. W., Chen, H., Chen, G., Memon, M. M., & Binte, Z. 2021. Structural equation modeling and artificial neural networks approach to predict continued use of mobile taxi booking apps: The mediating role of hedonic motivation. Data Technologies and Applications, 55(3), 372–399
  96. https://doi.org/10.1108/DTA-03-2020-0066
  97. Sugiyono. 2017. Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Alfabeta
  98. Suhartanto, D., Dean, D., Ismail, T. A. T., & Sundari, R. 2019. Mobile banking adoption in Islamic banks: Integrating TAM model and religiosity-intention model. Journal of Islamic Marketing, 11(6), 1405–1418
  99. https://doi.org/10.1108/JIMA-05-2019-0096
  100. Sulaiman, M. 2003. The influence of riba and zakat on Islamic accounting. Indonesian Management and Accounting Review, 2(2), 149–167
  101. Tan, E., & Leby Lau, J. 2016. Behavioural intention to adopt mobile banking among the millennial generation. Young Consumers, 17(1), 18–31
  102. https://doi.org/10.1108/YC-07-2015-00537
  103. Tarhini, A., El-Masri, M., Ali, M., & Serrano, A. 2016. Extending the UTAUT model to understand the customers’ acceptance and use of internet banking in Lebanon: A structural equation modeling approach. Information Technology & People, 29(4), 830–849
  104. https://doi.org/10.1108/ITP-02-2014-0034
  105. Venkatesh, Morris, Davis, & Davis. 2003. User Acceptance of Information Technology: Toward a Unified View. MIS Quarterly, 27(3), 425
  106. https://doi.org/10.2307/30036540
  107. Venkatesh, V., & Zhang, X. 2010. Unified Theory of Acceptance and Use of Technology: U.S. Vs. China. Journal of Global Information Technology Management, 13(1), 5–27
  108. https://doi.org/10.1080/1097198X.2010.10856507
  109. Walfajri, M. 2021, September 2. Tak mau ketinggalan tren digital, perbankan syariah siapkan layanan SuperApp
  110. https://keuangan.kontan.co.id/news/tak-mau-ketinggalan-tren-digital-perbankan-syariah-siapkan-layanan-superapp#:~:text=Jumlah%20Pengguna%20BSI%20Mobile%20sampai,92%2C5%25%20secara%20yoy
  111. Williams, M. D., Rana, N. P., & Dwivedi, Y. K. 2015. The unified theory of acceptance and use of technology (UTAUT): A literature review. Journal of Enterprise Information Management, 28(3), 443–488
  112. https://doi.org/10.1108/JEIM-09-2014-0088
  113. Yaseen, S. G., & El Qirem, I. A. 2018. Intention to use e-banking services in the Jordanian commercial banks. International Journal of Bank Marketing, 36(3), 557–571
  114. https://doi.org/10.1108/IJBM-05-2017-0082
  115. Yaseen, S. G., El Qirem, I. A., & Dajani, D. 2022. Islamic mobile banking smart services adoption and use in Jordan. ISRA International Journal of Islamic Finance, 14(3), 349–362
  116. https://doi.org/10.1108/IJIF-04-2021-0065

Last update:

No citation recorded.

Last update: 2026-08-17 20:50:44

No citation recorded.