Prediction of Bank Syariah Indonesia Mobile Usage Behavior Using Financial Literacy in the Framework of the Theory of Acceptance Model

Abstract

Digitalization in the banking sector has encouraged the use of application-based services to facilitate financial access. Bank Syariah Indonesia (BSI) Mobile is present as an innovation to meet the needs of customers who want easy financial transactions according to sharia principles. However, the adoption of the BSI Mobile application is still faced with the challenge of diverse financial literacy in society. The data used in this study includes quantitative data because the data presented is numeric data and is a type of data that can be measured (measurable) or calculated directly as a variable number or number. Based on the data collection method, the researcher used a survey research method. The analysis technique used in this study is SEM-PLS analysis. The results of the study indicate that the perception of ease of use does not have a positive and significant effect on the interest in using the BSI Mobile application at Bank Syariah Indonesia. Trust has a positive and significant effect on the interest in using the BSI Mobile application at Bank Syariah Indonesia. In addition, financial literacy as a moderating variable is able to moderate the positive effect between the perception of ease of use and trust on the interest in using the BSI Mobile application at Bank Syariah Indonesia. Interest in using the application has a positive and significant effect on the intention to use the application. The intention to use the application has a positive and significant effect on the behavior of using the BSI Mobile application at Bank Syariah Indonesia.