BSI Mobile Adoption Process with Religiosity As a Moderation Variable
##plugins.themes.bootstrap3.article.sidebar##
PDF
Submitted Oct 12, 2022
Published Nov 27, 2022
Published Nov 27, 2022
DOI
Abstract viewed = 93 times
Issue
Section
Articles
##plugins.themes.bootstrap3.article.main##
During a pandemic like today, new habits have emerged in society, one of which is conducting financial transactions. The presence of Bank Syariah Indonesia is expected to have the financial and technological capabilities to meet customer needs following sharia principles and reach the currently unspoiled sharia market by creating an Islamic ecosystem and becoming one of the centers of sharia economy and finance in the world. The BSI Mobile application is the right solution with ease for benefits such as paying infaq, alms, and hajj savings deposits, to opening an account online. In this study, the superiority of the BSI Mobile feature as a spiritual, financial, and social friend following the main target of Islamic banks in Indonesia is Muslims, then the potential of the Islamic banking market in Indonesia is very large. This study uses a sample of 308 prospective customer respondents. Analysis using SEM and based on PLS (Partial Least Square) shows that innovation and bank reputation have a significant effect on attitudes and intentions to adopt BSI Mobile, except for bank reputation on attitudes which are moderated by religiosity. This study can provide input to Bank Syariah Indonesia to improve mobile banking services amidst the development of digital banking technology and after the Covid-19 pandemic.
Keywords: Innovation, Mobile Banking, Religiosity, Reputation.
References
Agarwal, R. & Prasad, J. (1999). Are Individual Differences Germane to the Acceptance of New Information Technologies? Decision Sciences, 30(2), 361–391.
Ahmad, N., & Haron, S. (2002). Perceptions of Malaysian corporate customers towards Islamic banking products and services. International Journal of Islamic Financial Services, 3(4), 13-29.
Ahmed, Z., Anang, R., Othman, N. & Sambasivan, M. (2013) To purchase or not to purchase US products: role of religiosity, animosity, and ethno-centrism among Malaysian consumers. Journal of Services Marketing, 27(7), 551–563.
Akturan, U. (2015) The Effects Of Innovation Characteristics On Mobile Banking Adoption.
Al-Gahtani, S. S. (2003) Computer technology adoption in Saudi Arabia: Correlates of Perceived Innovation Attributes. Information Technology for Development, 10(1), 57–69.
Al-Jabri, I. M., & Sohail, M. S. (2012a) Mobile Banking Adoption: Application Of Diffusion Of Innovation Theory. Journal of Electronic Commerce Research, 13, 379-391.
Ali, M., & Chin-Hong, P. (2015), “Factors affecting intention to use Islamic personal financing in Pakistan: evidence from the modified TRA model, MPRA Paper No. 66023, University Library of Munich.
Ali, M., Raza, S.A., Puah, C.H. & Amin, H. (2019). Consumer acceptance toward takaful in Pakistan: An application of diffusion of innovation theory. International Journal of Emerging Markets, 14(4), 620–638.
Amin, H., Rahman, A. R. A., & Ramayah, T. (2009). What makes undergraduate students enroll into an elective course? The case of Islamic accounting. International Journal of Islamic and Middle Eastern Finance and Management, 2, 289-304.
Amin, H., Rahman, A. R. A., Sondoh JR, S. L. and Hwa, A. M. C. (2011). Determinants of customers' intention to use Islamic personal financing: The case of Malaysian Islamic banks. Journal of Islamic Accounting and Business Research, 2, 22-42.
Assael, H. (1998). Consumer Behavior and Marketing Action. (6th Ed.), New York: South Western College Publishing.
Au, Y. A., & Kauffman, R. J. (2008) The economics of mobile payments: Understanding stakeholder issues for an emerging financial technology application. Electronic Commerce Research and Applications, 7(2), 141-164.
Bollen, K. A. (1989). Structural Equations with Latent Variabels. America: John Wiley & Sons, Inc.
Bonne, K., Vermeir, I., Bergeaud‐Blackler, F. & Verbeke, W. (2007) Determinants of halal meat consumption in France. British Food Journal, 109(5), 367–386.
Boon Liat, C., Nikhashemi, S.R. & Dent, M.M. (2020) The chain effects of service innovation components on the building blocks of tourism destination loyalty: the moderating role of religiosity. Journal of Islamic Marketing.
Brown, I., Cajee, Z., Davies, D. and Stroebel, S. (2003) Cell phone banking: predictors of adoption in South Africa–an exploratory study. International Journal of Information Management, 23(5), 381-94.
Brown, T. J., & Dacin, P. A. (1997) The Company and the Product: Corporate Associations and Consumer Product Responses. Journal of Marketing, 61(1), 68.
Chin, W. W. (1998). The Partial Least Squares Approach to Structural Equation Modeling. Modern Methods for Business Research.
Chen, L. (2008) A model of consumer acceptance of mobile payment. International Journal of Mobile Communications, 6(1), 32-52.
Chen, L., Gillenson, M., & Sherrell, D. (2004) Consumer acceptance of virtual stores: A Theoretical Model and Critical Success Factors for Virtual Stores. ACM SIGMIS Database, 35(2), 8-31.
Cooper, D. R., & Schidler, P. S. (2019). Metode Penelitian Bisnis, (12 Ed.). Buku 1. Jakarta: Salemba Empat.
dan Kanuk, S. (2008) Perilaku konsumen. (7th Ed.). Jakarta: Indeks
Davis, F. D. (1989) Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319.
Dick, A., Chakravarti, D., & Biehal, G. (1990) Memory-Based Inferences during Consumer Choice. Journal of Consumer Research, 17(1), 82-93.
Engel, J. F., Blackwell, R. D., & Miniard, P.W. (1995). Consumer Behavior, (8th Ed.). Orlando: The Dryden Press.
Engel, J. F. (2005). Consumer Behavior. Jakarta: PT Gramedia Pustaka Utama.
Ezeh, P.C. & Nkamnebe, A. D. (2018) A conceptual framework for the adoption of Islamic banking in a pluralistic-secular nation: Nigerian perspective. Journal of Islamic Marketing, 9(4), 951-964.
Fauziah, M.T., Ramayah, T., Dzuljastri, A. R. (2008) Factors influencing intention to use diminishing partnership home financing. International Journal of Islamic and Middle Eastern Finance and Management. 1(3), 235-248.
Ferdinand, A., 2014, Structural Equation Modelling, 5th edn., UNDIP Press, Semarang.
Fishbein, M, & Ajzen, I. (1975). Belief, Attitude, Intention, and Behavior: An Introduction to Theory and Research. Reading, MA: Addison-Wesley.
Fombrun, C. J., Gardberg, N. A., & Sever, J. M. (2000) The Reputation QuotientSM: A multi-stakeholder measure of corporate reputation. Journal of Brand Management, 7(4), 241–255.
Gerrard, P., & Cunningham, J. B. (2003). The diffusion of Internet banking among Singapore consumers. International Journal of Bank Marketing, 21(1), 16–28.
Ghozali, I. (2013) Aplikasi Analisis Multivariate dengan Program SPSS, (7th Ed.). UNDIP Press, Semarang.
Ghozali, I. (2014) Model Persamaan Struktural: Konsep dan Aplikasi dengan Program AMOS 22.0 Update Bayesian SEM, (6th Ed.). UNDIP Press, Semarang.
Glock, C. Y., & Stark, R. (1966). Religion and society in tension. San Francisco: Rand McNally.
Hair, J. E. (1998), Multivariate Data Analysis, Fifth Edition, Prentice Hall, Upper Saddle River : New Jersey.
Hair, Joseph E. (2013). A primer on Partial Least Squares Structural Equation Modeling (PLS-SEM).
Herbig, P., Milewicz, J. & Golden, J. (1994). A model of reputation building and destruction. Journal of Business Research, 31(1), 23-31.
Logsdon J. M., & Wood, D. J. (2015) Business Citizenship: From Domestic to Global Level of Analysis. Business Ethics Quarterly, 12(2), 155-187. DOI: https://doi.org/10.2307/3857809.
Johnson, D. E. (2002) Adoption and the effect on children’s development. Early Human Development, 68(1), 39–54.
Julianto, A. (2018) Transaksi mobile banking naik tajam, ini yang dilakukan bank Mandiri. Kompas, Retreived from: https://ekonomi.kompas.com/read/2018/11/19/152514226/transaksi- mobile-banking-naik-tajam-ini-yang-dilakukan-bank-mandiri.
Kaawaase, T. K. (2019) Religiosity and Islamic Banking in Uganda. 13(1), 25.
Kaplan, R. M. & Saccuzzo (2009) Psychological testing: Principle, application, and issue. (7th ed.). Belmont Thomas Wadsworth.
Karahanna, E., Straub, D. W., & Chervany, N. L. (1999a) Information Technology Adoption Across Time: A Cross-Sectional Comparison of Pre-Adoption and Post-Adoption Beliefs. MIS Quarterly, 23(2), 183.
Koenig-Lewis, N., Palmer, A., & Moll A. (2010) Predicting young consumers’ take up of mobile banking services. International Journal of Bank Marketing, 28(5), 410-432.
Kotler, P. (2006). Manajemen pemasaran, jilid I, Edisi kesebelas, Jakarta, P.T Indeks Gramedia.
Lin., H. (2011) An empirical investigation of mobile banking adoption: The effect of innovation attributes and knowledge-based trust. International Journal of Information Management, 31(3), 252-260.
Logsdon, J. M., & Wood, D. J. (2002) Reputation as an Emerging Construct in the Business and Society Field: An Introduction. Business & Society, 41(4), 365–370.
Luarn, P. & Lin, H.-H. (2005) Toward an understanding of the behavioral intention to use mobile banking. Computers in Human Behavior, 21(6), 873-891.
Malaquias, R. F., & Hwang, Y. (2019) Mobile banking use: a comparative study with Brazilian and US participants. International Journal of Information Management, 44, 132-140. doi: 10.1016/j.ijinfomgt.2018.10.004.
Malarvizhi, C.A., Thambiah, S., & Ismail, H.B. (2011). Islamic Retail Banking Adoption: A Conceptual Framework.
Malhotra, N. K. (2009) Riset Pemasaran, Edisi keempat, Jilid 1, PT Indeks, Jakarta.
Mallat, N. (2007) Exploring consumer adoption of mobile payments – A qualitative study. Journal of Strategic Information Systems, 16(4), 413-432.
Mariam, M. H. A., Kortam, W., Ehab, A. A., & Noha, E. (2015) Effects of Religiosity on Consumer attitude towards Islamic Banking in Egypt. International Journal of Bank Marketing, 33(6), pp 786-807.
Mohamad, H. H., & Kamil. (2009) E‐learning adoption: the role of relative advantages, trialability and academic specialization. Campus-Wide Information Systems, 26(1), 54-70.
Mokhlis, S. (2009) Relevancy and Measurement of Religiosity in Consumer Behavior Research. International Business Research, 2(3), 75.
Moore, G. C., & Benbasat, I. (1991) Development of an Instrument to Measure the Perceptions of Adopting an Information Technology Innovation. Information Systems Research, 2(3), 192-222.
Nizar, S., & Marzouki, R. (2015) Consumer attitudes and purchase intentions toward Islamic banks: the influence of religiosity. International Journal of Bank Marketing, 33(2), 143-161, doi: 10.1108/IJBM-10-2013-0115.
Ndubisi, O. N., & Sinti, Q. (2006) Consumer attitudes, system’s characteristics and internet banking adoption in Malaysia. Management Research News, 29(1/2), 16-27.
Syed‐Ikhsan, O. S. S., & Rowland, F. (2004) Knowledge management in a public organization: a study on the relationship between organizational elements and the performance of knowledge transfer. Journal of Knowledge Management, 8(2), 95-111.
Ondrus, J., & Pigneur, Y. (2006) Towards a holistic analysis of mobile payments: A multiple perspectives approach. Electronic Commerce Research and Applications, 5(3), 246-257.
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.
Parasuraman, A., Zeithaml, V. A., & Berry, L. L. (1988). SERVQUAL: A multiple-item scale for measuring consumer perceptions of service quality. Journal of Retailing, 64(1), 12–40.
Park, Y. & Chen, J.V. (2007) Acceptance and adoption of the innovative use of smartphone. Industrial Management & Data Systems, 107(9), 1349-1365.
Polatoglu, V. N., & Ekin, S. (2001) An empirical investigation of the Turkish consumers’ acceptance of internet banking services. International Journal of Bank Marketing, 19(4), 156-165.
Premkumar, G., & Roberts, M. (1999) Adoption of new information technologies in rural small businesses. Omega, 27(4), 467-484.
Priya, R., Vikas Gandhi, A., & Shaikh, A. (2018) Mobile banking: consumer perception towards adoption. Benchmarking: An International Journal, 25, 1-43, doi: 10.1108/BIJ-01-2016- 0009.
Püschel, J., Afonso Mazzon, J., & Hernandez, J. M. C. (2010) Mobile banking: proposition of an integrated adoption intention framework. International Journal of Bank Marketing, 28(5), 389-409.
Rao, H. (1994). The Social Construction of Reputation: Certification Contests, Legitimation, and the Survival of Organizations in the American Automobile Industry: 1895-1912. Strategic Management Journal, 15, 29-44.
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, doi: 10.1108/ JIMA-04-2017-0038.
Rogers, E. M. (2003). Diffusion of Innovations. (5th Edition). the Free Press, NY.
Sanni, S. A., Ngah, Z. A., Karim, N. H. A., Abdullah, N., & Waheed, M. (2013) Using the diffusion of innovation concept to explain the factors that contribute to the adoption rate of e-journal publishing. Serials Review, 39(4), 250-257.
Sekaran, U. (1999) Research Methods for Business: Instructor's Resource Guide with Test Questions and Transparency Masters.
Singh, S., & Srivastava, R. K. (2018) Predicting the intention to use mobile banking in India. International Journal of Bank Marketing, 36(2), 357-378, doi: 10.1108/IJBM-12-2016- 0186.
Subramaniam, R., & Ramachandran, J. (2012) Customers’ Switching Behavior In Banking Industry-Empirical Evidence From Malaysia. International Journal of Business, Economics and Law, 1(7).
Suddin, L., Tanakinjal, G. H., & Amin, H. (2009) Predicting intention to choose halal products using the theory of reasoned action. International Journal of Islamic and Middle Eastern Finance and Management, 2(1), 66-76
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.
Taib, F. M., Ramayah, T., & Razak, D. A. (2008) Factors influencing intention to use diminishing partnership home financing. International Journal of Islamic and Middle Eastern Finance and Management, 1, 235-248
Tan, M., & Teo, T. S. H. (2000) Factors Influencing the Adoption of Internet Banking. Journal of the Association for Information Systems, 1(5).
Tenenhaus, M., Vinzi, V. E., Chatelin, Y. M., & Lauro, C. (2005). PLS path modeling. Computational Statistics & Data Analysis, 48(1), 159-205. https://doi.org/10.1016/j.csda.2004.03.005.
Trotta, A. & Cavallaro, G. (2013) Mapping The Relationship Between Reputation And Corporate Social Responsibility In The Banking Sector: A Comprehensive Literature Review, 5(1), 11.
van Birgelen, M., de Ruyter, K., & Wetzels, M. (2003) The impact of attitude strength on customer-oriented priority setting by decision-makers: An empirical investigation. Journal of Economic Psychology, 24(6), 763–783.
Venkatesh, Morris, Davis, & Davis, (2003) User Acceptance of Information Technology: Toward a Unified View. MIS Quarterly, 27(3), 425.
Venkatesh, V. & Davis, F. D. (2000) A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies. Management Science, 46(2), 186–204.
Vrechoupoulos, A., Constantiou, I., Sideris, I., Doukidis, G., Mylonopoulos, N. (2003) The critical role of consumer behaviour research in mobile commerce. International Journal of Mobile Communications, 1(3), 329-340.
Wajdi Dusuki, A. & Irwani Abdullah, N. (2007) Why do Malaysian customers patronise Islamic banks? International Journal of Bank Marketing, 25(3), 142–160.
Wang, Y.-B., Lin, K.-Y., Chang, L. & Hung, J.C. (2011) A Diffusion of Innovations Approach to Investigate the RFID Adoption in Taiwan Logistics Industry. Journal of Computers, 6(3), 441–448.
Wilkes, R. E., Burnett, J. J., & Howell, R. D. (1986). On the meaning and measurement of religiosity in consumer research. Journal of the Academy of Marketing Science, 14(1), 47–56. https://doi.org/10.1007/bf02722112.
Yahaya, S., Hamid, I.A., Idris, A.F., & Haji-Othman, Y. (2016). Adoption of Islamic Banking Products and Services in Nigeria : An Application of Diffusion of Innovation Theory. International Journal of Scientific Research in Science and Technology, 2, 264-273.
Downloads
Download data is not yet available.
##plugins.themes.bootstrap3.article.details##
How to Cite
Yusron, M. H., & Suryandari, R. T. (2022). BSI Mobile Adoption Process with Religiosity As a Moderation Variable. European Journal of Business and Management Research, 7(6), 189–195. https://doi.org/10.24018/ejbmr.2022.7.6.1709
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
