The roles of safety, risks, trust, and features on customers’ decision in using the mobile banking of islamic banking

Abstract

This study aims to analyze the roles of safety, risks, trust, features, and customer’s decisions to use the mobile banking application of Islamic Banks. The objects were customers who used the mobile banking application of Islamic Banks. This study used questionnaires to measure variables and obtain samples of as many as 100 respondents who used Islamic Banks. This study used the descriptive-quantitative analysis method. The sample determination used purposive sampling, a non-probability sampling method. The analysis method used the multiple linear regression test. The results conclude that the variable Safety significantly influences the customers’ decision to use the mobile banking application of Islamic Banks. In contrast, the variable Risks has no significant influence on the customers’ decision to use the mobile banking application of Islamic Banks. The variables of Trust and Features have a positive and significant effect on the customers’ decision to use the mobile banking application of Islamic Banks. Simultaneously, Safety, Risks, Trust, and Features influence the customers’ decision to use Islamic Mobile.