The development of information technology, such as the use of gadgets, has shifted the pattern of corporate competition, and helped create a competitive advantage in the struggle for market share. In the banking industry, it also utilizes gadgets in the form of Mobile Banking which changes the new face of marketing strategies quite effectively, for the convenience provided, real time, accurate, any time and any place to win the hearts of its customers. Mobile Banking with service features offered with all technology pampers its users. Dynamic design, easy, and convenient to use, offering facilities to customers so that they want to affiliate with banks. A real example, Mobile Banking developed by Bank Syariah Indonesia (BSI), whose application is known as BSI Mobile Banking, offers features that make it easier for customers to transact. According to information from BSI President Director Hery Gunardi, until June 2024, the number of BSI Mobile users reached 7.1 million users and recorded a total of 247.5 million transactions with a volume of Rp299 trillion. The large number of BSI Mobile users proves that people are aware of technology, so Mobile Banking is the application of choice because of its convenience. Nevertheless, the utilization of Mobile Banking in the expansion of marketing strategies by banks is not without problems. Often the use of Mobile Banking is less effective because it is triggered by several things, such as network disruptions, banking system disruptions, usage weaknesses, and the like. Banks must be keen to include what features must appear in Mobile Banking to suit their needs and expectations. On the other hand, marketing competition using Mobile Banking in each bank has maximized its capabilities and potential, with various service features provided competing without limits. There, there has been intense competition, and sometimes it seems unhealthy [1]. Suhartanto et al stated that utilizing technology in marketing strategies to capture market share must understand the emotions and needs of the community. Including building a Mobile Banking-based strategy has a vulnerability to consumer acceptance, because it is still new and not necessarily according to consumer needs. Alalwan et al [2] stated that there are two factors that must be considered in the product delivery strategy to consumers, namely (a) internal psychology; (b) environmental external. Internal psychology is related to the level of consumer acceptance and the extent to which it provides convenience or helps in solving their affairs, while environmental external is more effort in the surrounding social environment. Setiadi; Gusni et al. stated that in the context of developing mobile banking features, it is necessary to take into account customer psychology such as by including consideration of the perceived usefulness an perceived ease of use variables adopted from the Technology Accepatence Model (TAM) theory from David Fred Davis in 1989. This theory describes a model that can be used to analyze the factorials that determine whether or not the adoption of a system (information system) is accepted. According to David Ferd, there are three important elements that determine system adoption, namely: (1) perceived usefulness; (2) perceived ease of use; and (3) attitude toward using. Perceived usefulness is a form of consideration of acceptance by customers because it helps customers' work, while perceived ease of use is the extent to which a person is freed from an effort by utilizing Mobil Banking. Previous research has shown several factors that influence the effectiveness and adoption of new applications or systems:

1. Perceived usefulness is an important determinant in the effectiveness of new applications [2].
2. Perceived ease of use is a factor that determines the use of a new system, because it affects the ease and effort required by individuals (Wulandari et al.).
3. Technology adoption also requires compatibility or contingency with external environmental efforts / efforts (Giovanis et al.).
4. In the context of adopting information technology such as mobile banking, social influence needs to be considered as an external factor (Haryono et al.).
5. The spiritual environment of society can be an internal spirit that supports the effectiveness of technology adoption strategies (Haryono et al.).
6. Spiritual motivation can influence user behavior in using technology (Suhartanto et al.), although there are other studies that show no effect (Tho'in).

This study aims to empirically examine the intention of adopting BSI mobile banking through the Technology Accepatence Model (TAM) approach through influencing factors, namely perceived usefulness, perceived ease of use, Perceived sharia, Perceived Risk, Customer Trust, Perceived Security and Behavioral intention to use at BSI Bank. By considering psychological and contextual factors, this research is expected to reveal new consumer behavior in adopting mobile banking. The TAM (Technology Acceptance Model) theory explains that to predict individual behavior, it is necessary to take into account external factors such as social norms and the environment (Lubis, 2021). Two external factors that dominantly influence consumer behavior are social influence and spiritual motivation. Social influence refers to the role or encouragement of peers and environmental habituation that directly and indirectly influence the use of Mobile Banking. Meanwhile, spiritual motivation is related to spiritual norms that determine a person's spiritual behavior and strongly influence their attitudes and decisions, due to the strong response to religious values. Features that offer religious symbols will also greatly influence people's perceptions of the use of Mobile Banking. In addition, adoption intention is also a specific internal factor that determines the decision to use mobile banking technology. This research is different from previous studies because it combines variables from TAM (perceived usefulness and perceived ease of use) with variables of Perceived Risk, Customer Trust, Perceived Security, Behavioral intention to use and spiritual motivation to examine the intention and actual use of BSI Mobile Banking. This is to test the TAM concept related to compatibility with social practices and norms. The object of this research is also focused on students using BSI Mobile Banking at UINSU. This research makes an important contribution by providing empirical evidence that the decision to use Mobile Banking is determined by adoption factors, as well as internal and external factors. In the context of Mobile Banking, product design development must consider these specific factors in order to provide optimal benefits to consumers. The novelty of this research lies in the empirical verification of the TAM theory, which shows that there are specific contexts that must be adopted in the development of a product, both internal and external factors. The psychological aspects of society need to be considered because they can differ between community groups.

This research was conducted in the environment of UINSU students, who have religious characteristics and are affiliated with Bank Syariah Indonesia (BSI). The population in this study are BSI customers who use Mobile Banking, with purposive random sampling technique. The focus of the research is on BSI customers who use BSI Mobile Banking at UINSU, considering that the intention and adoption of BSI Mobile Banking at UINSU tends to be high and interesting to study. UINSU students have a strong culture and social structure related to religion, as well as the advancement of student backgrounds, so that the transformation of new cultures related to information technology is interesting to study. In analyzing the data, this research uses Structural Equation Modeling (SEM) because the model built is structural. The research data was obtained through a survey by distributing questionnaires directly to respondents, which is secondary data. This approach was chosen to be able to explore the factors that determine the decision to use BSI Mobile Banking among UINSU students comprehensively.

1. Linkage Technology Acceptance Model (TAM) and Perceptions of the use of Mobile Banking

The Technology Acceptance Model (TAM) is one of the most influential and widely used theoretical models to explain the acceptance and use of technology by individuals. This model proposes that perceived usefulness and perceived ease of use are the main factors that determine behavioral intention to use a technology (Davis, 1989).

In the context of mobile banking, perceived usefulness refers to the extent to which users believe that using mobile banking will improve their performance and productivity in managing finances. While perceived ease of use refers to the extent to which users believe that using mobile banking will be free from great effort [2].

Many studies have applied TAM to explore the factors that influence the adoption and use of mobile banking. The research shows that the two main variables of TAM, namely perceived usefulness and perceived ease of use, play an important role in determining the intention and behavior of using mobile banking [3,4] In addition, research also identifies various other variables that can affect users' perceptions of mobile banking, such as trust, security, and social influence. Trust and security perceived by users were shown to have a significant impact on the perceived usefulness and perceived ease of use of mobile banking [2]. Overall, these studies show that TAM is a useful model to understand and predict the acceptance and use of mobile banking. Factors related to user perceptions, such as perceived usefulness, perceived ease of use, trust, and security, are key determinants in the adoption and use of mobile banking by individuals [3,2]. The mass use of technology and forced by an automated system also conditions technology adoption [4]. This can be seen in marketing creativity that utilizes Mobile Banking technology, which requires a match between strategy and customer needs that tend to increase in quality with the use of gadgets. Herein lies the relevance of the theory of planned behavior in explaining the acceptance of mobile banking for customers. Habituation factors, social roles, and prestige impressions also determine technology adoption (Audi). Perceived usefulness and perceived ease of use are important considerations in technology adoption (Putra et al.; General et al.). Appropriate usefulness and ease of use of technology can encourage technology adoption by 60% (various sources). Technological features that are relevant to user characteristics and social effort also determine the level of technology adoption [5] in religious communities, they tend to accept technology that has religious features. In addition, the mass use of technology and forced by an automated system can also affect technology adoption. Based on this logic, a theoretical framework is formulated, as in Figure 1 below:

Figure 1: Theoretical Framework of Research.

From this figure, the data shows that the researcher adopts the TAM theory, because this research uses the variables perceived usefulness, perceived ease of use, Perceived Risk, Customer Trust, Perceive Sharia, Behavioral intention to use, Perceived Security, and adoption intention which are adopted from the TAM variables. In this theory, it is explained that there is a variable relationship between perceived usefulness, perceived ease of use Perceived Risk, Customer Trust, Perceive Sharia, Behavioral intention to use, Perceived Security, and adoption intention, where testing of this theory is intended to empirically test the five TAM characters, namely: (1) relative advantage; (2) compatibility; (3) observability (4) complexity; and (5) trialability.

1.The Effect of Perceived Usefulness on Mobile Banking Adoption Intention

Perceived usefulness, or perceived usefulness, is related to the acceptance of a tool or technology that can help improve abilities or help get the job done. Gusni et al. state that perceived usefulness is a person's need to use a tool or system to improve their performance in completing tasks. Even though a system or technology is low cost, it is not necessarily accepted by users if it does not have a link to increased job completion. Thus, perceived usefulness is a determinant for someone to accept or adopt a technology. The more benefits a technology provides, the higher a person's intention to adopt the technology offered. Gusni et al. state that Mobile Banking adoption intention is influenced by perceived usefulness. Jamshidi & Hussin's research also shows that the need and level of system assistance will determine the level of technology adoption.

Based on the explanation above, it can be concluded that perceived usefulness is an important factor that determines a person's intention to adopt a technology. The greater the perceived benefits of a technology, the higher the tendency of people to adopt and use it. On the basis of the description above, the hypotheses in this study are:

H1: Perceived usefulness has a significant effect on Mobile Banking adoption intention.

2. The Effect of Perceived Ease of Use on Mobile Banking Adoption Intention

The utilization of information technology is important for banks to improve the quality of accurate and reliable services. This is done to strengthen the bank's marketing strategy. However, technology adoption must pay attention to the effectiveness and feasibility of its use. Consideration of the perceived ease of use of a technology is important so that the technology can be adopted properly. Perceived ease of use refers to how easily the technology or system can be installed, how easily the interface is learned, and how easily the technology is implemented. If the technology offered is easy to use, it will increase a person's intention to use the technology. Muntianah and Tutik S. Astuti stated that the ease of adoption of systems and technology will trigger the use of these technologies. Ease of adoption includes ease of acquisition, low cost, and ease of applying the system. General et al. show that Mobile Banking adoption intention is influenced by perceived ease of use. In other words, the user's perception of the ease of use of a technology is an important factor that determines the adoption of the technology. On the basis of the description above, the hypotheses in this study are:

H2: Perceived ease of use has a significant effect on Mobile adoption intention.

4. The Effect of Perceived Risk on Mobile Banking Adoption Intention

In addition to perceived ease of use, another factor that affects the adoption of mobile banking technology is perceived risk. Perceived risk refers to the extent to which an individual believes that using a technology will involve risk [6]. A high perception of risk will reduce a person's intention to adopt the technology.

Several types of risks that can be perceived in using mobile banking include security risk, financial risk, and privacy risk. Security risk relates to concerns about the security of user data and transactions. Financial risk refers to the potential financial losses that can arise. Meanwhile, privacy risk is related to concerns about the security of users' personal information. Research conducted by Tan and Teo shows that perceived risk has a negative effect on the intention to adopt internet banking. The higher the perceived risk, the lower the intention to adopt the technology. The same thing was also found by Martins et al. in the context of mobile banking adoption, where perceived risk negatively affects intention to adopt. Thus, it can be concluded that perceived risk is an important factor that hinders mobile banking adoption intention. Banks need to address this by increasing security, minimizing financial risk, and maintaining the confidentiality of users' personal information in order to encourage wider adoption of mobile banking. On the basis of the description above, the hypotheses in this study are:

H3: Perceived Risk has a significant effect on Mobile adoption intention.

5. The Effect of Customer Trust on Mobile Banking Adoption Intention

Customer trust is a key factor that can influence the intention to adopt mobile banking. Trust refers to a customer's willingness to rely on a mobile banking service provider based on beliefs, expectations, and desires 68. The higher the level of customer trust, the greater their intention to adopt mobile banking. Customer trust in mobile banking service providers is influenced by various factors, such as bank reputation, system security, and service reliability [7]. A good bank reputation will increase customer trust, as they feel more secure and confident in using mobile banking services. In addition, the guarantee of transaction system security and personal data protection are also important considerations for customers. Research conducted by Hanafizadeh et al. [8] shows that customer trust has a positive and significant effect on intention to adopt mobile banking. Customers who have a high level of trust in mobile banking service providers tend to have a stronger intention to adopt and use these services. Similar findings were also obtained from a study conducted by Rahi et al. [9], where customer trust is proven to increase customer intention to use mobile banking. In addition, customer trust can also moderate the relationship between other factors, such as perceived usefulness and perceived ease of use, with intention to adopt mobile banking [10]. Customers who have high trust tend to be more easily influenced by the benefits and ease of use of mobile banking in increasing their adoption intention.

Therefore, banks need to build and maintain customer trust through various efforts, such as improving reputation, ensuring system security, and providing reliable services. This is important so that customers are moved to adopt mobile banking and utilize it sustainably. On the basis of the description above, the hypotheses in this study are:

H4: Customer Trust has a significant effect on Mobile adoption intention

6. The Effect of Perceived Sharia on Intention to Adopt Mobile Banking

In addition to customer trust factors, perceived sharia or perceived sharia compliance is also an important consideration for customers in adopting mobile banking, especially in countries with a majority Muslim population. Perceived sharia refers to customers' perception of the compliance of mobile banking services with Islamic sharia principles [11]. For Muslim customers, compliance with sharia principles is one of the main criteria in choosing and using financial products or services [12]. They tend to be more comfortable and confident in using mobile banking if the service is considered in accordance with Islamic teachings, such as free from usury, maisir, and gharar [14]. Research conducted by Amin et al. [13] shows that perceived sharia has a positive and significant effect on intention to adopt mobile banking. Muslim customers who perceive mobile banking as a sharia-compliant service tend to have a higher intention to adopt and use the service. Similar findings were also obtained from a study conducted by Rahi et al. [15].

In addition, perceived sharia can also moderate the relationship between other factors, such as perceived usefulness and perceived ease of use, with intention to adopt mobile banking [16]. Muslim customers who perceive mobile banking as a sharia-compliant service tend to be more easily influenced by benefits and ease of use in increasing their adoption intention. Therefore, Islamic banks or conventional banks that want to attract Muslim customers should ensure that the mobile banking services offered are compliant with Islamic sharia principles. This can be done through education, certification, and transparency regarding the sharia compliance of the mobile banking services provided. On the basis of the description above, the hypotheses in this study are:

H5: Perceived Sharia has a significant effect on the intention of adopting Mobile

7. Influenced of Behavioral intention to use Intention to Adoption Mobile Banking

Behavioral intention to use is the behavioral tendency to keep using a technology. According to Pertiwi and Sharif [17], Behavioral Intention (BI) is an interest or desire to perform behavior. This behavioral interest (BI) is not yet a behavior, because the behavior itself is carried out because the individual has an interest or desire to do so [18]. The level of use of a computer technology in a person can be predicted from his attitude of attention to the technology, such as the desire to add supporting peripherals, motivation to keep using, and the desire to motivate other users [19]. Behavioral Intention to Use is one of the key constructs in the Technology Acceptance Model (TAM). Behavioral interest refers to the extent to which a person has formulated a plan to perform or not perform a particular behavior in the future [20]. In the context of technology acceptance, behavioral interest describes how strong a person's desire or intention to use a technology is. Many studies have shown that Behavioral intention to use (BI) or users' behavioral intention to use mobile banking plays a key role in determining their Intention Adoption Mobile Banking (IAMB) or their adoption intention of the service. Several studies, such as those conducted by Alalwan et al. [2], Baptista and Oliveira [21] and Rahi et al. [20], consistently found a positive and significant relationship between BI and IAMB. The higher the users' behavioral intention to use mobile banking, the more likely they are to actually adopt and use the service. Similar findings were also revealed in other studies, such as Oliveira et al. [20] and Giovanis et al. [24]. They concluded that BI is an important predictor of IAMB, where the stronger the user's behavioral intention to use mobile banking, the higher their likelihood of adopting and using the service on an ongoing basis. This is in line with the concept of the Technology Acceptance Model (TAM) which states that BI is a direct predictor of the actual use of a technology. Overall, these studies show that BI has a positive and significant influence on IAMB. The higher users' behavioral intention to use mobile banking, the more likely they are to actually adopt and use the service in the long term. This finding provides important implications for mobile banking service providers to understand and improve user BI in an effort to increase the adoption and use of mobile banking services.On the basis of the description above, the hypotheses in this study are:

H6: Behavioral Intention to Use has a significant effect on Mobile adoption intention.

The type of research used is quantitative research, with the aim of testing the Technology Acceptance Model (TAM). The population in this study are all Bank Syariah Indonesia (BSI) customers who are UINSU students who use Mobile Banking services in the 2024 period. Because not all populations can be included in the analysis unit, this study uses a sample. The sampling technique used is incidental sampling. In addition, this study also sets specific criteria in selecting samples, namely students and active BSI customers who use and have made transactions using BSI Mobile Banking. To determine the number of samples, this study uses an approach by multiplying the total indicators by a value of 5-10. Based on the calculation, the number of samples that must be taken for this study is a minimum of 105 respondents, and an optimal of 210 respondents. The type of data used in this research is primary data. To collect data, researchers conducted a survey by coming directly to the object of research and distributing questionnaires to respondents. The data analysis technique used in this research is the Structural Equation Model (SEM) with the smart PLS program. Before conducting SEM analysis, the data will be tested for validity and reliability first. Furthermore, SEM assumption testing will be carried out, namely the outlier test and normality test, as well as the Goodness of Fit test. Hypothesis testing in this study will be carried out using the Critical Ratio (CR) test. If the CR value> 1.65 and the p-value> 0.1, it can be concluded that there is a significant influence between the independent variable and the dependent variable [23].

1. Respondent Description

The research was conducted on UINSU students who are customers of Bank Syari'ah Indonesia (BSI) who use Mobile Banking facilities. A total of 168 respondents filled out the questionnaire research questionnaire to express their opinions. Table 1 below describes the characteristics of the respondents the following respondents:

Table 1: Description of Respondents.

Based on the information presented in Table 1, it can be concluded that:

1. In terms of age, the majority of student respondents who use BSI Mobile Banking are <20 years old, with a frequency of 107 people.
2. In terms of their parents' jobs as supporting student fees, the majority of respondents who use BSI Mobile Banking are others with a frequency of 137 people.
3. In terms of length of use, the majority of respondents who use BSI Mobile Banking have used the product for 1 year, with a frequency of 110 people. Thus, the dominant user profile of BSI Mobile Banking is students aged <20 years, whose parents work not as civil servants / lecturers or bankers, and have used the product for 1 year.

2. Description of Research Data

Table 2: Variable Description of Research Variables.

Table 2 shows the respondents' answers about perceived usefulness with a minimum value of 5, a maximum value of 20, a std deviation of 11.979 and an average index of 2.901 in the high category. This illustrates that the majority of respondents have quite good perceived usefulness. Respondents' opinions about perceived ease of use have a minimum value of 5, a maximum value of 17, a std deviation of 11.927 and an average index of 3.102 in the high category. Respondents' opinions about Perceive of Risk have a minimum value of 6, a maximum value of 22, a std deviation of 14, 813 and an average index of 3,345 in the high category. This shows that the majority of respondents have a good Perceive of Risk. Respondents' opinions about Perceive security have a minimum value of 6, a maximum value of 19, a std deviation of 14,668 and an average index of 3,474 in the high category. This shows that the majority of respondents have good Perceive security. Respondents' opinions about Customer Trust have a minimum value of 5, a maximum value of 21, a std deviation of 12.591 and an average index of 2.953 in the high category. This shows that the majority of respondents have good Customer Trust. Respondents' opinions about Perceive Sharia have a minimum value of 4, a maximum value of 17, a std deviation of 10.5187 and an average index of 2.340 in the high category. This shows that the majority of respondents have a good Perceive Sharia. Respondents' opinions about Behaviour intention to use have a minimum value of 6, a maximum value of 22, a std deviation of 14.487 and an average index of 3.697 in the high category. This shows that the majority of respondents have a good behavior intention to use. Respondents answering about adoption intention have a minimum value of 5, a maximum value of 18, a std deviation of 12.326 and an average index of 3.032 in the high category. This shows that the majority of respondents have a fairly good adoption intention.

3. Reliability Test

Table 3: Reability Test Results.

Table 4 shows that the value of the Construct Reliability (CR) value for each variable has a value> 0.70 so it can be concluded that the instrument is declared “reliable”, so that the instrument can be used for further research.

4. Assumption Test Results

1. Outlier Test

The outlier test is used to determine whether observations in the data have characteristics that are very unique and significantly different from other observations, and appear in the form of extreme observations. As a guideline, observations with Mahalanobis Distance that exceed the critical value of Chi-Square (p < 0.001. The results show that the highest Mahalanobis d-square value is 0.001, so this study has met the outlier test and is suitable for further testing.

2.Uji Good Fit Full Model SEM

This test is used whether the model is fit (good) and in accordance with SEM assumptions. After conducting the SEM model fit test, it shows that the model is fit. To provide an overview, the following figure 2 describes the empiric model and the outfit model as follows:

Figure2: Empirical Model.

a. Effect of Perceived Usefulness on Adoption Intention

The results of testing the first hypothesis (H1) show that the hypothesis which states “perceived usefulness has a significant effect on the intention to adopt Mobile Banking” cannot be rejected (hypothesis accepted). The Critical Ratio (CR) value obtained is 3.760 greater than 1.96, and the probability value (p-value) is 0.588, smaller than 0.05. This finding indicates that perceived usefulness has a significant influence on the intention of adoption of mobile banking services by customers. Respondents stated that the use of mobile banking provides convenience in service, because customers do not need to come to the bank counter. Services can be obtained anywhere and anytime accurately and quickly through online. In addition, respondents consider that mobile banking helps customers a lot, in addition to being real-time, it is also low-cost and does not require much time. These findings indicate that the adoption of mobile banking provides perceived benefits and convenience to customers, so that they can enjoy the various platforms and features provided to ease their affiliation with banks.

b.The Effect of Perceived Ease of Use on Adoption Intention

Based on the results of testing the second hypothesis (H2), it can be concluded that:

The hypothesis that states “perceived ease of use has a significant effect on the intention to adopt Mobile Banking” cannot be rejected (hypothesis accepted). The test results show a Critical Ratio (CR) value of 3.321, which is greater than 1.96, and a probability value (p-value) of 1.181, which is greater than 0.05. This finding indicates that perceived ease of use has a significant influence on the intention of adoption of mobile banking services.

Respondents assume that if mobile banking is easy to operate, understand, simple, does not often occur online interruptions, and is easily accessible anytime and anywhere, then customers will more easily accept and adopt the technology. Providing features in the mobile banking platform must pay attention to the level of complexity of the customer's ability, because customers and prospective customers have diversified levels of technological literacy. Providing features in the mobile banking platform must pay attention to the level of complexity of the customer's ability, because customers and prospective customers have a diversified level of technological literacy. The level of customer education also determines technology adoption, so simple design and features will determine the intention to adopt mobile banking technology.

c.The Effect of Perceived of Risk on Adoption Intention

Based on the results of testing the second hypothesis (H3), it can be concluded that:

The hypothesis that states “perceived of Risk has a significant effect on Mobile Banking adoption intention” cannot be rejected (hypothesis accepted). The test results show a Critical Ratio (CR) value of 2.298, which is greater than 1.96, and a probability value (p-value) of 0.003, which is smaller than 0.05. This finding indicates that perceived risk has a significant influence on the intention of adoption of mobile banking services. This finding indicates that the higher the perceived risk of customers, the lower their intention to adopt mobile banking services. Respondents consider that the security and confidentiality of personal data and financial transactions are important factors that influence the adoption of mobile banking. Customers are concerned about the risk of data loss, account breaches, or other security issues if they use mobile banking services. Therefore, high risk perception will hinder customers' intention to adopt and use mobile banking.

d. The Effect of Perceived of Security on Adoption Intention

Based on the results of testing the second hypothesis (H4), it can be concluded that:

The hypothesis that states “perceived of Security has a significant effect on intention to adopt Mobile Banking” cannot be rejected (hypothesis accepted). The test results show a Critical Ratio (CR) value of 4.493, which is greater than 1.96, and a probability value (p-value) of 0.000, which is smaller than 0.05. This finding indicates that perceived risk (perceived of security) has a significant influence on the intention of adoption of mobile banking services. This finding indicates that the perceived security perceived by customers has a significant influence on their intention to adopt mobile banking services. The higher the perception of security that customers have, the greater their intention to adopt and use mobile banking.

Respondents consider security, data confidentiality and financial transaction protection as important factors in mobile banking adoption. Customers who feel safe and secure when using mobile banking will be more encouraged to adopt and use the service on an ongoing basis. Therefore, efforts to improve system security, data protection, and transaction confidentiality assurance are crucial for mobile banking service providers to attract customers' interest and trust.

e. The Effect of Customer Trust on Adoption Intention

Based on the results of testing the second hypothesis (H5), it can be concluded that:

The hypothesis that states “Customer Trust” has a significant effect on Mobile Banking adoption intention” cannot be rejected (hypothesis accepted). The test results show a Critical Ratio (CR) value of 3.312, which is greater than 1.96, and a probability value (p-value) of 0.001, which is less than 0.05. This finding indicates that customer trust has a significant influence on the intention of adoption of mobile banking services.

This finding indicates that customer trust has a significant influence on their intention to adopt mobile banking services. The higher the level of customer trust in mobile banking service providers, the greater their intention to adopt and use mobile banking. Respondents considered trust to be an important factor driving mobile banking adoption. Customers who have a high level of trust in the capabilities, integrity and reliability of mobile banking service providers will be more encouraged to adopt and use the service on an ongoing basis. This customer trust can be formed from positive experiences, reputation, and credibility of the bank providing mobile banking services. Therefore, building and maintaining customer trust is crucial for mobile banking providers to increase customer adoption and usage intentions. Strategies to improve service quality, transparency, and effective communication can support the formation of customer trust in mobile banking.

f. Effect of Perceived of Sharia on Intention Adoption

Based on the results of testing the second hypothesis (H6), it can be concluded that:

The hypothesis that states “Perceive of Sharia” has a significant effect on the intention to adopt Mobile Banking” cannot be rejected (hypothesis accepted). The test results show a Critical Ratio (CR) value of 2.829, which is greater than 1.96, and a probability value (p-value) of 0.004, which is smaller than 0.05. This finding indicates that Perceive Sharia has a significant influence on the intention of adoption of mobile banking services.

This finding indicates that the perception of compliance with sharia principles (perceive of sharia) has a significant influence on customer intention to adopt mobile banking services. The higher the customer's perception of the suitability of mobile banking services with sharia principles, the greater their intention to adopt and use mobile banking. Respondents consider that the aspect of compliance with sharia principles is an important consideration in the adoption of mobile banking, especially for customers who have a sharia background or preference. Customers who perceive that mobile banking services are in accordance with sharia principles, such as free from elements of usury, gharar, and maysir, will be more encouraged to adopt and use these services.

Therefore, efforts by mobile banking service providers to ensure operational and service features conformity with Shariah principles may increase interest and intention to adopt mobile banking among customers who are sensitive to Shariah compliance aspects. Transparency and effective communication on Shariah compliance can help build positive customer perceptions and encourage mobile banking adoption.

g. Effect of Behavioral Intention to Use on Adoption Intention

Based on the results of testing the second hypothesis (H7), it can be concluded that:

The hypothesis stating “Behavioral intention to use” has a significant effect on Mobile Banking adoption intention” cannot be rejected (hypothesis accepted). The test results show a Critical Ratio (CR) value of 3.760, which is greater than 1.96, and a probability value (p-value) of 0.000, which is smaller than 0.05. This finding indicates that behavioral intention to use has a significant influence on the intention of adoption of mobile banking services. This finding indicates that behavioral intention to use mobile banking (behavioral intention to use) has a significant influence on the intention of adoption of mobile banking services. The higher the customer's behavioral intention to use mobile banking, the greater their intention to adopt and use the service. These results suggest that customers' positive attitudes and intentions towards using mobile banking are important predictors of service adoption. Customers who have a strong desire and plan to use mobile banking are more likely to actually adopt and use the service on an ongoing basis.

Based on the results of hypothesis testing in this study, it can be concluded that the technology acceptance model (TAM) is empirically proven to explain the adoption of mobile banking services.

1. Perceived usefulness, perceived ease of use, Perceive of Risk, Customer Trust, Perceive Security, Behavioral intention to use and Perceive of Sharia are proven to have a significant effect on mobile banking adoption intention. This shows that perceived usefulness, perceived ease of use, and spiritual motivation are important factors that encourage customers' intention to adopt mobile banking services.
2. Focus on improving the perceived usefulness and perceived ease of use of mobile banking. The results show that these two factors have a significant effect on mobile banking adoption intention. BSI needs to continue to enrich features and improve the ease of use of mobile banking applications.
3. Pay attention to security factors (security) and spiritual motivation (perceived sharia) in the development of mobile banking. These two factors are proven to moderate the positive influence on mobile banking adoption intentions. So that BSI needs to strengthen the security aspects of transactions and provide features that are in accordance with sharia principles.
4. Increase customer trust in mobile banking services. The results show that this factor has a significant effect on adoption intention. BSI can educate, increase transparency, and provide a positive experience for customers using mobile banking.
5. Overall, the findings of this study can be taken into consideration for BSI in designing marketing strategies and developing more effective mobile banking services, especially to attract and increase adoption among millennial generation customers.

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