{"id":"https://openalex.org/W4375827337","doi":"https://doi.org/10.56529/mber.v1i2.68","title":"What Drives Consumers to Use Syariah M-Banking to Purchase E-Money? Integration of UTAUT 2 and Mobile Service Quality","display_name":"What Drives Consumers to Use Syariah M-Banking to Purchase E-Money? Integration of UTAUT 2 and Mobile Service Quality","publication_year":2022,"publication_date":"2022-12-29","ids":{"openalex":"https://openalex.org/W4375827337","doi":"https://doi.org/10.56529/mber.v1i2.68"},"language":"en","primary_location":{"id":"doi:10.56529/mber.v1i2.68","doi":"https://doi.org/10.56529/mber.v1i2.68","is_oa":true,"landing_page_url":"https://doi.org/10.56529/mber.v1i2.68","pdf_url":"https://journal.uiii.ac.id/index.php/mber/article/download/68/108","source":{"id":"https://openalex.org/S4387282534","display_name":"Muslim Business and Economic Review","issn_l":"2829-2499","issn":["2829-2499","2962-6471"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4404662912","host_organization_name":"International Islamic University of Indonesia","host_organization_lineage":["https://openalex.org/P4404662912"],"host_organization_lineage_names":["International Islamic University of Indonesia"],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Muslim Business and Economic Review","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://journal.uiii.ac.id/index.php/mber/article/download/68/108","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5082882541","display_name":"Alfian Nisa Septiani","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I181085462","display_name":"Sunan Kalijaga State Islamic University Yogyakarta","ror":"https://ror.org/00nmvbd84","country_code":"ID","type":"education","lineage":["https://openalex.org/I181085462"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Alfian Nisa Septiani","raw_affiliation_strings":["UIN Sunan Kalijaga Yogyakarta"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"UIN Sunan Kalijaga Yogyakarta","institution_ids":["https://openalex.org/I181085462"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5008682797","display_name":"Izra Berakon","orcid":"https://orcid.org/0000-0002-1007-5546","observed_orcids":["https://orcid.org/0000-0002-1007-5546"]},"institutions":[{"id":"https://openalex.org/I181085462","display_name":"Sunan Kalijaga State Islamic University Yogyakarta","ror":"https://ror.org/00nmvbd84","country_code":"ID","type":"education","lineage":["https://openalex.org/I181085462"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Izra Berakon","raw_affiliation_strings":["UIN Sunan Kalijaga Yogyakarta"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"UIN Sunan Kalijaga Yogyakarta","institution_ids":["https://openalex.org/I181085462"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5020919129","display_name":"Ruspita Rani Pertiwi","orcid":"https://orcid.org/0000-0003-0112-9343","observed_orcids":["https://orcid.org/0000-0003-0112-9343"]},"institutions":[{"id":"https://openalex.org/I181085462","display_name":"Sunan Kalijaga State Islamic University Yogyakarta","ror":"https://ror.org/00nmvbd84","country_code":"ID","type":"education","lineage":["https://openalex.org/I181085462"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Ruspita Rani Pertiwi","raw_affiliation_strings":["UIN Sunan Kalijaga Yogyakarta"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"UIN Sunan Kalijaga Yogyakarta","institution_ids":["https://openalex.org/I181085462"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5068800570","display_name":"Mahatva Yoga Adi Pradana","orcid":"https://orcid.org/0000-0002-8909-2815","observed_orcids":["https://orcid.org/0000-0002-8909-2815"]},"institutions":[{"id":"https://openalex.org/I181085462","display_name":"Sunan Kalijaga State Islamic University Yogyakarta","ror":"https://ror.org/00nmvbd84","country_code":"ID","type":"education","lineage":["https://openalex.org/I181085462"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Mahatva Yoga Adi Pradana","raw_affiliation_strings":["UIN Sunan Kalijaga Yogyakarta"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"UIN Sunan Kalijaga Yogyakarta","institution_ids":["https://openalex.org/I181085462"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5079854647","display_name":"Safwan Kamal","orcid":"https://orcid.org/0000-0001-9892-9835","observed_orcids":["https://orcid.org/0000-0001-9892-9835"]},"institutions":[{"id":"https://openalex.org/I4405259220","display_name":"Institut Agama Islam Negeri Langsa","ror":"https://ror.org/01y0ezr68","country_code":"ID","type":"education","lineage":["https://openalex.org/I4405259220"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Safwan Kamal","raw_affiliation_strings":["IAIN Langsa"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"IAIN Langsa","institution_ids":["https://openalex.org/I4405259220"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.3827,"has_fulltext":true,"cited_by_count":5,"citation_normalized_percentile":{"value":0.64561297,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":88,"max":95},"biblio":{"volume":"1","issue":"2","first_page":"205","last_page":"238"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.9595000147819519,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.9595000147819519,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11365","display_name":"Islamic Finance and Banking Studies","score":0.03869999945163727,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14416","display_name":"Health, Technology, Consumer Behavior","score":0.0005000000237487257,"subfield":{"id":"https://openalex.org/subfields/3605","display_name":"Health Information Management"},"field":{"id":"https://openalex.org/fields/36","display_name":"Health Professions"},"domain":{"id":"https://openalex.org/domains/4","display_name":"Health Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/utaut2","display_name":"UTAUT2","score":0.9649999737739563},{"id":"https://openalex.org/keywords/mobile-service-quality","display_name":"mobile service quality","score":0.9980000257492065},{"id":"https://openalex.org/keywords/trust","display_name":"trust","score":0.5149999856948853},{"id":"https://openalex.org/keywords/continuance-intention","display_name":"continuance intention","score":0.9340000152587891},{"id":"https://openalex.org/keywords/social-influence","display_name":"social influence","score":0.968999981880188},{"id":"https://openalex.org/keywords/hedonic-motivation","display_name":"hedonic motivation","score":0.9990000128746033},{"id":"https://openalex.org/keywords/privacy","display_name":"privacy","score":0.3310000002384186},{"id":"https://openalex.org/keywords/practicality","display_name":"practicality","score":0.7760000228881836},{"id":"https://openalex.org/keywords/islamic-banking","display_name":"Islamic banking","score":0.9079999923706055},{"id":"https://openalex.org/keywords/digital-banking-adoption","display_name":"digital banking adoption","score":0.7070000171661377},{"id":"https://openalex.org/keywords/gender-differences","display_name":"gender differences","score":0.7210000157356262}],"concepts":[{"id":"https://openalex.org/C71104824","wikidata":"https://www.wikidata.org/wiki/Q1476639","display_name":"Structural equation modeling","level":2,"score":0.6785628795623779},{"id":"https://openalex.org/C2780081655","wikidata":"https://www.wikidata.org/wiki/Q763365","display_name":"Continuance","level":2,"score":0.53721684217453},{"id":"https://openalex.org/C140781008","wikidata":"https://www.wikidata.org/wiki/Q1221081","display_name":"Service quality","level":3,"score":0.5202568769454956},{"id":"https://openalex.org/C189285262","wikidata":"https://www.wikidata.org/wiki/Q1332350","display_name":"Multicollinearity","level":3,"score":0.5193077921867371},{"id":"https://openalex.org/C2780346085","wikidata":"https://www.wikidata.org/wiki/Q7884986","display_name":"Unified theory of acceptance and use of technology","level":3,"score":0.5122420191764832},{"id":"https://openalex.org/C188353592","wikidata":"https://www.wikidata.org/wiki/Q450586","display_name":"Expectancy theory","level":2,"score":0.5061060786247253},{"id":"https://openalex.org/C61341680","wikidata":"https://www.wikidata.org/wiki/Q1923256","display_name":"Intension","level":2,"score":0.49187564849853516},{"id":"https://openalex.org/C160949748","wikidata":"https://www.wikidata.org/wiki/Q1365703","display_name":"Mobile payment","level":3,"score":0.48746538162231445},{"id":"https://openalex.org/C100363876","wikidata":"https://www.wikidata.org/wiki/Q690661","display_name":"Nonprobability sampling","level":3,"score":0.4760051667690277},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.45499876141548157},{"id":"https://openalex.org/C2775930393","wikidata":"https://www.wikidata.org/wiki/Q1941439","display_name":"Mobile banking","level":2,"score":0.4477368891239166},{"id":"https://openalex.org/C2779530757","wikidata":"https://www.wikidata.org/wiki/Q1207505","display_name":"Quality (philosophy)","level":2,"score":0.4178427457809448},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4107535183429718},{"id":"https://openalex.org/C2780378061","wikidata":"https://www.wikidata.org/wiki/Q25351891","display_name":"Service (business)","level":2,"score":0.4047943949699402},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.2915039658546448},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.2906913459300995},{"id":"https://openalex.org/C105795698","wikidata":"https://www.wikidata.org/wiki/Q12483","display_name":"Statistics","level":1,"score":0.24557465314865112},{"id":"https://openalex.org/C152877465","wikidata":"https://www.wikidata.org/wiki/Q208042","display_name":"Regression analysis","level":2,"score":0.2029627561569214},{"id":"https://openalex.org/C77805123","wikidata":"https://www.wikidata.org/wiki/Q161272","display_name":"Social psychology","level":1,"score":0.15588679909706116},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.12782689929008484},{"id":"https://openalex.org/C76155785","wikidata":"https://www.wikidata.org/wiki/Q418","display_name":"Telecommunications","level":1,"score":0.11944633722305298},{"id":"https://openalex.org/C111472728","wikidata":"https://www.wikidata.org/wiki/Q9471","display_name":"Epistemology","level":1,"score":0.0},{"id":"https://openalex.org/C149923435","wikidata":"https://www.wikidata.org/wiki/Q37732","display_name":"Demography","level":1,"score":0.0},{"id":"https://openalex.org/C2908647359","wikidata":"https://www.wikidata.org/wiki/Q2625603","display_name":"Population","level":2,"score":0.0},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0},{"id":"https://openalex.org/C144024400","wikidata":"https://www.wikidata.org/wiki/Q21201","display_name":"Sociology","level":0,"score":0.0},{"id":"https://openalex.org/C144543869","wikidata":"https://www.wikidata.org/wiki/Q2738570","display_name":"Mobile computing","level":2,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.56529/mber.v1i2.68","doi":"https://doi.org/10.56529/mber.v1i2.68","is_oa":true,"landing_page_url":"https://doi.org/10.56529/mber.v1i2.68","pdf_url":"https://journal.uiii.ac.id/index.php/mber/article/download/68/108","source":{"id":"https://openalex.org/S4387282534","display_name":"Muslim Business and Economic Review","issn_l":"2829-2499","issn":["2829-2499","2962-6471"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4404662912","host_organization_name":"International Islamic University of Indonesia","host_organization_lineage":["https://openalex.org/P4404662912"],"host_organization_lineage_names":["International Islamic University of Indonesia"],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Muslim Business and Economic Review","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.56529/mber.v1i2.68","doi":"https://doi.org/10.56529/mber.v1i2.68","is_oa":true,"landing_page_url":"https://doi.org/10.56529/mber.v1i2.68","pdf_url":"https://journal.uiii.ac.id/index.php/mber/article/download/68/108","source":{"id":"https://openalex.org/S4387282534","display_name":"Muslim Business and Economic Review","issn_l":"2829-2499","issn":["2829-2499","2962-6471"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4404662912","host_organization_name":"International Islamic University of Indonesia","host_organization_lineage":["https://openalex.org/P4404662912"],"host_organization_lineage_names":["International Islamic University of Indonesia"],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Muslim Business and Economic Review","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[{"id":"https://openalex.org/study-designs/observational-study","display_name":"Observational Study"}],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4375827337.pdf","grobid_xml":"https://content.openalex.org/works/W4375827337.grobid-xml"},"referenced_works_count":73,"referenced_works":["https://openalex.org/W56977324","https://openalex.org/W101444089","https://openalex.org/W961872617","https://openalex.org/W1574235309","https://openalex.org/W1576425974","https://openalex.org/W1739149983","https://openalex.org/W1820801730","https://openalex.org/W2000380427","https://openalex.org/W2023819627","https://openalex.org/W2027982762","https://openalex.org/W2033661520","https://openalex.org/W2037124948","https://openalex.org/W2048455374","https://openalex.org/W2063358389","https://openalex.org/W2070629130","https://openalex.org/W2094760913","https://openalex.org/W2148097819","https://openalex.org/W2162049818","https://openalex.org/W2205560534","https://openalex.org/W2209024180","https://openalex.org/W2318157014","https://openalex.org/W2334701378","https://openalex.org/W2345440073","https://openalex.org/W2462475610","https://openalex.org/W2525285559","https://openalex.org/W2556097555","https://openalex.org/W2565958578","https://openalex.org/W2567739355","https://openalex.org/W2571213079","https://openalex.org/W2577043885","https://openalex.org/W2743040281","https://openalex.org/W2755077155","https://openalex.org/W2766781722","https://openalex.org/W2778753068","https://openalex.org/W2783611692","https://openalex.org/W2784197408","https://openalex.org/W2797014858","https://openalex.org/W2797472491","https://openalex.org/W2803121922","https://openalex.org/W2885519519","https://openalex.org/W2889059260","https://openalex.org/W2889156017","https://openalex.org/W2893194824","https://openalex.org/W2901242394","https://openalex.org/W2905811773","https://openalex.org/W2916346311","https://openalex.org/W2945792041","https://openalex.org/W2961553619","https://openalex.org/W2965268949","https://openalex.org/W2994751899","https://openalex.org/W2998050647","https://openalex.org/W2999122675","https://openalex.org/W3004771310","https://openalex.org/W3005951373","https://openalex.org/W3021246153","https://openalex.org/W3025096376","https://openalex.org/W3036324591","https://openalex.org/W3041485190","https://openalex.org/W3172776500","https://openalex.org/W3179273023","https://openalex.org/W3202144030","https://openalex.org/W4206326816","https://openalex.org/W4210283152","https://openalex.org/W4211025410","https://openalex.org/W4233543946","https://openalex.org/W4237678060","https://openalex.org/W4241609701","https://openalex.org/W4242041014","https://openalex.org/W4243701492","https://openalex.org/W4250532730","https://openalex.org/W4253837580","https://openalex.org/W4300870773","https://openalex.org/W6741544565"],"related_works":["https://openalex.org/W4379411640","https://openalex.org/W3208662977","https://openalex.org/W4408105605","https://openalex.org/W3089878055","https://openalex.org/W3012120917","https://openalex.org/W3210817286","https://openalex.org/W4361859280","https://openalex.org/W4400173760","https://openalex.org/W7165487149","https://openalex.org/W4226393810"],"abstract_inverted_index":{"This":[0],"study":[1],"investigates":[2],"what":[3],"factors":[4],"persuade":[5],"consumers":[6],"to":[7,27,34,49,90,146,194],"purchase":[8],"e-money":[9,211],"via":[10],"syariah":[11],"m-banking":[12],"applications.":[13],"Researchers":[14,112],"extended":[15],"the":[16,36,128,133,140,158,174],"Unified":[17],"Theory":[18],"of":[19,23,40,77,107],"Acceptance":[20],"and":[21,38,83,100,110,118,155,179,192,201],"Use":[22],"Technology":[24],"(UTAUT":[25],"2)":[26],"find":[28],"new":[29],"information":[30],"as":[31,33],"well":[32],"accommodate":[35],"limitations":[37],"discussions":[39],"previous":[41],"studies.":[42],"A":[43],"purposive":[44],"sampling":[45],"technique":[46],"was":[47,88],"adapted":[48],"select":[50],"respondent":[51],"criteria.":[52],"The":[53,184],"collected":[54],"data":[55],"from":[56,127],"120":[57],"respondents":[58,108],"were":[59],"analyzed":[60],"using":[61],"Partial":[62],"Least":[63],"Square":[64],"Structural":[65],"Equation":[66],"Modeling":[67],"(PLS-SEM),":[68],"supported":[69],"by":[70,94,103,198],"WarpPLS":[71],"8.0,":[72],"through":[73],"three":[74],"main":[75],"stages":[76],"analysis:":[78],"measurement":[79],"model,":[80,82],"structural":[81],"hypothesis":[84],"testing.":[85],"Additional":[86],"analysis":[87,102],"undertaken":[89],"produce":[91],"robust":[92],"findings":[93,185],"explaining":[95],"multicollinearity,":[96],"common":[97],"method":[98],"bias,":[99],"multigroup":[101],"categorizing":[104],"two":[105,136],"groups":[106],"(male":[109],"female).":[111],"found":[113],"that":[114,161],"only":[115],"social":[116],"influence":[117],"hedonic":[119],"motivation":[120],"have":[121,147],"a":[122,148,164],"significant":[123,149,180],"effect":[124,150,176],"on":[125,151],"trust":[126,162,197],"UTAUT":[129],"2":[130],"model.":[131],"On":[132],"other":[134],"hand,":[135],"exogenous":[137],"constructs":[138],"in":[139,167],"mobile":[141],"service":[142],"quality":[143],"model":[144],"proved":[145],"trust,":[152],"security":[153],"(privacy),":[154],"practicality.":[156],"Furthermore,":[157],"research":[159],"showed":[160],"is":[163],"fundamental":[165],"factor":[166],"influencing":[168],"continuance":[169],"intention":[170],"because":[171],"it":[172],"produces":[173],"largest":[175],"size":[177],"(f-square)":[178],"path":[181],"coefficient":[182],"value.":[183],"should":[186],"encourage":[187],"all":[188],"Islamic":[189],"banking":[190,208],"stakeholders":[191],"practitioners":[193],"increase":[195],"individual":[196],"creating":[199],"educational":[200],"innovative":[202],"programs":[203],"connected":[204],"with":[205],"consuming":[206],"digital":[207],"services,":[209],"especially":[210],"purchases.":[212]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":1},{"year":2024,"cited_by_count":2},{"year":2023,"cited_by_count":1}],"updated_date":"2026-11-07T11:25:07.637180","created_date":"2023-05-09T00:00:00"}