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Abstract

This study examines the factors influencing the adoption of Islamic Mobile Banking (IMB) in Indonesia, focusing on technological, innovative, reputational, and Sharīʿah compliance dimensions. Using a quantitative approach with Partial Least Squares Structural Equation Modelling (PLS-SEM), data were collected from 312 IMB users to assess both direct and mediating relationships among the variables. The findings reveal that perceived usefulness, firm reputation, innovation, and Sharīʿah compliance significantly and positively influence customer satisfaction, with Sharīʿah compliance emerging as the most dominant factor. Conversely, ease of use, though positively associated, does not significantly affect satisfaction, suggesting that functionality, trust, and ethical conformity outweigh usability in shaping user perceptions. The mediating analysis indicates that customer satisfaction acts as a critical pathway linking perceived usefulness, innovation, firm reputation, and Sharīʿah compliance to IMB adoption, while the mediating effect of ease of use is non-significant. Moreover, customer satisfaction has a strong direct effect on IMB adoption, implying that satisfied users are more likely to sustain usage, recommend IMB services, and explore additional features. This highlights satisfaction as both a consequence of service quality and a key driver of continued adoption behavior. This study makes a distinctive contribution by integrating technological, reputational, innovative, and ethical dimensions within a unified analytical framework to explain IMB adoption—an approach rarely tested in previous research. Theoretically, it bridges technology acceptance and ethical compliance paradigms, while managerially, it provides actionable insights for Islamic banks to enhance satisfaction, build trust, and expand digital adoption aligned with Sharīʿah principles.

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79

Last Page

98

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