Analysis of the Adoption of Bank Syariah Indonesia's Mobile Banking In the Millennial Generation with the Technology Acceptance Model (TAM) Approach: A Case Study of UINSU Students

Harahap EF, Samsudin S, Muda I and Sugianto S

Published on: 2024-07-29

Abstract

This article presents the results of testing the Technology Acceptance Model (TAM) which specifically examines the factors that influence customer intention to adopt mobile banking. This research was conducted on Bank Syariah Indonesia (BSI) customers for UINSU students in 2024. The research data is primary data obtained from distributing questionnaires to 169 student respondents who are BSI customers who use mobile banking. The sampling technique used is purposive sampling. Data analysis was performed using Structural Equation Modeling (SEM). The results showed that perceived usefulness, perceived ease of use, Perceived Risk attitude, Behavioral Intention to Use, Customer Trust with moderation Security and spiritual motivation (Perceive Sharia) proved to have a significant effect on customer intention to adopt mobile banking. Overall, the findings of this study provide insight into the factors that influence the intention and adoption of mobile banking among Bank Syariah Indonesia customers at UINSU. These results can be taken into consideration for banks in designing marketing strategies and developing more effective mobile banking services. Overall, the findings of this study provide insight into the factors that influence the intention and adoption of mobile banking among Bank Syariah Indonesia customers at UINSU. These results can be taken into consideration for banks in designing marketing strategies and developing more effective mobile banking services.