Intention to Use Islamic Mobile Banking Services: Detailed Analysis Based on Theoretical Triangulization
DOI:
https://doi.org/10.46745/ilma.jbs.2025.21.01.01Keywords:
Mobile Banking, Islamic Mobile Banking, Technology Acceptance Model, Perceived Ease of Use, Perceived UsefulnessAbstract
The purpose of this study is to make readers understand about the intention to use mobile banking through theoretical triangulation of TAM and TRA models. Previous studies related with the topic were based either on conventional banking or either from other Muslim countries than Pakistan. However, this study has not only been conducted with reference to the largest Muslim country but also through thorough model that has been based on theoretical triangulation. Hence, the rigor and impact of this study might outstand the previous research work. Therefore, to compile this study in effective manner data has been collected through 383 customers through convenience sampling. Analysis has been made through SMART-PLS and findings of the study confirmed that theoretical triangulation is effective tool for the selection of variables. The claim is found to be true as findings of this study indicate positive impact of customer’s attitude over intention to use mobile banking services from Islamic Banks. Moreover, detailed statistical testing also indicated that the impact is not only true for PU has a definite impact over customer’s attitude as well as intention to use Islamic Mobile Banking. However, PEoU does not have direct or indirect effect over the attitude and intention to use mobile banking. Hence, the findings of the study are indicating that there is a need of more rigorous studies to explore theoretical triangulation and model for comparative studies between conventional and Islamic Banking.
References
Ab Hamid, M. R., Sami, W., & Sidek, M. M. (2017, September). Discriminant validity assessment: Use of Fornell & Larcker criterion versus HTMT criterion. In Journal of physics: Conference series (Vol. 890, No. 1, p. 012163). IOP Publishing
Adeleke, A. Q., Bahaudin, A. Y., & Kamaruddeen, A. M. (2015). A partial least square structural equation modeling (PLS SEM) preliminary analysis on organizational internal and external factors influencing effective construction risk management among Nigerian construction industries. Rev. Téc. Ing. Univ. Zulia, 38(143), 143-55
Afthanorhan, W. M. A. B. W. (2013). A comparison of partial least square structural equation modeling (PLS-SEM) and covariance based structural equation modeling (CB-SEM) for confirmatory factor analysis. International Journal of Engineering Science and Innovative Technology, 2(5), 198-205
Belanche, D., Casaló, L. V., & Flavián, C. (2019). Artificial Intelligence in FinTech: understanding robo-advisors adoption among customers. Industrial Management & Data Systems, 119(7), 1411-1430
Chen, Y. H., & Barnes, S. (2007). Initial trust and online buyer behaviour. Industrial management & data systems, 107(1), 21-36
Daryanto. (2017). Factors Affecting the Use of E-Filing in Individual Taxpayers in West Jakarta. Jurnal Muara Ilmu Ekonomi Dan Bisnis, 1(1), 97-106
Elkaseh, A. M., Wong, K. W., & Fung, C. C. (2016). Perceived ease of use and perceived usefulness of social media for e-learning in Libyan higher education: A structural equation modeling analysis. International Journal of Information and Education Technology, 6(3), 192
Fauzi, A., Wandira, R., Sepri, D., & Hafid, A. (2021). Exploring Students' Acceptance of Google Classroom during the COVID-19 Pandemic by Using the Technology Acceptance Model in West Sumatera Universities. Electronic Journal of e-Learning, 19(4), 233-240
Fayad, R., & Paper, D. (2015). The technology acceptance model e-commerce extension: a conceptual framework. Procedia economics and finance, 26, 1000-1006
Gunawan, F., Ali, M. M., & Nugroho, A. (2019). Analysis of the effects of perceived ease of use and perceived usefulness on consumer attitude and their impacts on purchase decision on PT Tokopedia in Jabodetabek. European Journal of Business and Management Research, 4(5), 1-6
Gunzler, D., Chen, T., Wu, P., & Zhang, H. (2013). Introduction to mediation analysis with structural equation modeling. Shanghai archives of psychiatry, 25(6), 390
Hair, J. F., Hult, G. T. M., Ringle, C. M., Sarstedt, M., & Thiele, K. O. (2017). Mirror, mirror on the wall: a comparative evaluation of composite-based structural equation modeling methods.Journal of the academy of marketing science,45(5), 616-632
Holden, R. J., & Karsh, B. T. (2010). The technology acceptance model: its past and its future in health care. Journal of biomedical informatics, 43(1), 159-172
Hoque, M. N., Rahman, M. K., Said, J., Begum, F., & Hossain, M. M. (2022). What factors influence customer attitudes and mindsets towards the use of services and products of Islamic banks in Bangladesh?. Sustainability, 14(8), 4703
Jahangir, N., & Begum, N. (2008). The role of perceived usefulness, perceived ease of use, security and privacy, and customer attitude to engender customer adaptation in the context of electronic banking. African journal of business management, 2(2), 32
Johan, Z. J., Dali, N. R. S. M., Suki, A. A., & Hafit, N. I. A. (2017). Customers’ intention towards Shariah compliant credit cards: A pilot study. International Journal of Academic Research in Business and Social Sciences, 7(4), 772-799
Kaakeh, A., Hassan, M. K., & Van Hemmen Almazor, S. F. (2019). Factors affecting customers’ attitude towards Islamic banking in UAE. International Journal of Emerging Markets, 14(4), 668-688
Karahanna, E., & Straub, D. W. (1999). The psychological origins of perceived usefulness and ease-of-use. Information & management, 35(4), 237-250
Koksal, M. H. (2016). The intentions of Lebanese consumers to adopt mobile banking. International Journal of bank marketing, 34(3), 327-346
Lin, R. R., & Lee, J. C. (2023). The supports provided by artificial intelligence to continuous usage intention of mobile banking: Evidence from China. Aslib Journal of Information Management
Lymer, A., Hansford, A., & Pilkington, K. (2012). Developments in tax e‐filing: practical views from the coalface. Journal of Applied Accounting Research, 13(3), 212-225
Mohd Thas Thaker, M. A. B., Allah Pitchay, A. B., Mohd Thas Thaker, H. B., & Amin, M. F. B. (2019). Factors influencing consumers’ adoption of Islamic mobile banking services in Malaysia: An approach of partial least squares (PLS). Journal of Islamic Marketing, 10(4), 1037-1056
Nguyen, O. T. (2020). Factors affecting the intention to use digital banking in Vietnam. The Journal of Asian Finance, Economics and Business, 7(3), 303-310
Ogwiji, J., & Lasisi, I. O. (2022). Internal control system and fraud prevention of quoted financial services firms in Nigeria: A Smart PLS-SEM approach. European Journal of Accounting, Auditing and Finance Research, 10(4), 1-13
Perumal, S., Qing, Y., & Jaganathan, M. (2022). Factors influencing attitudes and intentions towards smart retail technology. International Journal of Data and Network Science, 6(2), 595-602
Riza, A. F., & Hafizi, M. R. (2019). Customers attitude toward Islamic mobile banking in Indonesia: Implementation of TAM. Asian Journal of Islamic Management (AJIM), 75-84
Saunders, M. N., Lewis, P., Thornhill, A., & Bristow, A. (2015). Understanding research philosophy and approaches to theory development
Saunders, M. N., Lewis, P., Thornhill, A., & Bristow, A. (2015). Understanding research philosophy and approaches to theory development
Saunders, M., Lewis, P. & Thornhill, A. (2007). Research methods. Business Students 4th edition Pearson Education Limited, England, 6(3), 1-268
Sekaran, U., & Bougie, R. (2016). Research methods for business: A skill building approach. John Wiley & Sons
Sekaran, U., & Bougie, R. (2016). Research methods for business: A skill building approach. John Wiley & sons
Shipps, B., & Phillips, B. (2013). Social networks, interactivity and satisfaction: Assessing socio-technical behavioral factors as an extension to technology acceptance. Journal of theoretical and applied electronic commerce research, 8(1), 35-52
Silaparasetti, V., Rao, G. V. R., & Khan, F. R. (2017). Structural equation modeling analysis using smart pls to assess the occupational health and safety (OHS) factors on workers’ behavior.Structural Equation Modeling Analysis Using Smart PLS to Assess the Occupational Health and Safety (OHS) Factors on Workers’ Behavior (July 17, 2017). Humanities & Social Science Reviews, eISSN, 2395-7654
Tahar, A., Riyadh, H. A., Sofyani, H., & Purnomo, W. E. (2020). Perceived ease of use, perceived usefulness, perceived security and intention to use e-filing: The role of technology readiness. The Journal of Asian Finance, Economics and Business, 7(9), 537-547
Tan M, Teo TSH (2000). Factors influencing the adoption of internet banking. J. Assoc. Info. Syst. 1(5): 22-38
Taujiharrahman, D., & Alfianto, A. N. (2024). The Effect of Sharia Compliance, Attitudes, Satisfaction and Perceived Usefulness on Continued Intention to Use Sharia Digital Banking: A Study of Muslim Customer Behavior. International Journal of Integrative Sciences, 3(10), 1153-1172
Vijayabanu, C., & Arunkumar, S. (2018). Strengthening the team performance through personality and emotional intelligence: Smart PLS approach. Scientific Annals of Economics and Business, 65(3), 303-316
Wandira, R., & Ikwana, I. (2021). Analisis Technology Acceptance Model (TAM) Terhadap Penerimaan Mahasiswa Pada Portal Akademik. Insearch: Information System Research Journal, 1(01), 1-6
Wandira, R., Fauzi, A., Azim, F., & Annas, F. (2022). Customer acceptance analysis of Islamic bank of Indonesia mobile banking using technology acceptance model (TAM). International Journal of Informatics and Information Systems, 5(2), 92-100
Wixom, B. H., & Todd, P. A. (2005). A theoretical integration of user satisfaction and technology acceptance. Information systems research, 16(1), 85-102
Wong, K. K. K. (2013). Partial least squares structural equation modeling (PLS-SEM) techniques using SmartPLS. Marketing bulletin, 24(1), 1-32
Yussaivi, A., Suhartanto, D., & Syarief, M. E. (2020, July). An analysis of the determining factors of mobile banking adoption in Islamic banks. In IOP Conference Series: Materials Science and Engineering (Vol. 879, No. 1, p. 012174). IOP Publishing
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Copyright (c) 2025 - Author(s) retain(s) full copyright of this paper
This work is licensed under a Creative Commons Attribution 4.0 International License.
All articles are published under Creative Commons License term i.e. CC BY 4.0 International
