FACTORS AFFECTING CUSTOMER'S ADOPTION USING ISLAMIC DIGITAL BANKING: EXTENDED UTAUT2

This study aims to analyze user acceptance of the application of Islamic digital banking as an Islamic financial technology and determine the factors influencing adoption. This study uses a multimethod approach. The first research is a qualitative exploratory test of potential constructs. While the second study is a quantitative test of the modified UTAUT2 model by adding the variables Trust and Islamic Religiosity. The sampling technique used was the purposive sampling method. This research involved 294 respondents from several cities in Indonesia who had or are currently using Islamic digital banking. The data analysis method in this study uses SEM-PLS. The results of this study indicate that as many as 9 of the 12 hypotheses proposed in this study were supported. The results of this study indicate that Effort Expectancy, Social Influence, Facilitating Conditions, Price Value, Habit, Trust and Islamic Religiosity have a significant positive effect on the behavioral intention to use Islamic digital banking, while Performance Expectancy and Hedonic Motivation have no effect. Another statistical test proves that Trust and Behavioral Intention positively and significantly effect Use Behavior. However, Islamic Religiosity does not moderate the effect of Behavioral Intention on Use Behavior in the context of Islamic digital banking in Indonesia. Furthermore, the implication of this research is expected to be input for the Islamic digital banking industry to improve the quality of it is services to meet customer needs in terms of Islamic financial technology