Analysis of Driving and Inhibiting Factors of Interest and Decision Making in Adopting Sharia Mobile Banking Amidst Data Security Issues

Abstrak

This study analyzes the influence of trust, security, and convenience on customer interest and decision-making in transacting using mobile applications. BYOND banking Bank Syariah Indonesia (BSI), with interest as an intervening variable. Mobile banking is crucial in modern transactions because of access to financial services anywhere, in line with a fast lifestyle and increasing financial inclusion. However, its development is accompanied by security challenges such as fraud cases and data leaks, which require increased user awareness of cyber. This study uses a quantitative approach with field studies. The study population is BSI customers who use BYOND in Banten Province, with 100 respondents selected through purposive sampling. Primary data were obtained from questionnaires, while secondary data were from relevant journals and books. Data analysis used path analysis analysis ) with SPSS 25. The empirical findings indicate that trust exerts a positive and statistically significant influence on user interest. In contrast, the variables of security and convenience do not exhibit a statistically significant impact on interest. Moreover, trust, security, and convenience are not found to have a direct and significant effect on decision-making behavior. Conversely, interest demonstrates a positive and significant effect on decision making, serving as a mediating variable that facilitates the indirect effects of trust and convenience on decision outcomes. Interest does not mediate the effect of security on decision making. The implication is that Bank Syariah Indonesia needs to improve the performance of BYOND services to build user trust and interest.