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All Journal Kunuz: Journal of Islamic Banking and Finance JIFTECH: Journal Of Islamic Financial Technology
Nando Farizal
UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan
Economics, Econometrics & Finance

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Faktor Penentu Niat Menggunakan Paylater Dengan Kepercayaan Sebagai Variabel Moderasi Ahmad Afandi; Dia Purnama Sari; Annessa Fadhillah; Nando Farizal; Muhammad Arif
Kunuz: Journal of Islamic Banking and Finance Vol 2 No 2 (2022)
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kunuz.v2i2.420

Abstract

The purpose of this study is to measure effort expectancy, habit, price value, hedonic motivation, and social influence on the intention to use paylater with trust as a moderating variable. This research is a descriptive quantitative type and data collection method using a questionnaire. This research involved a total of 100 respondents who were all residents of North Sumatra. Structural Equation Model (SEM) and SmartPLS are used in data analysis techniques to test hypotheses and identify factors that influence people's intention to use Paylater. The research findings show that the social influence variable has a positive and significant effect on the intention to use Paylater. Meanwhile, effort expectancy, habit, price value, and hedonic motivation have no effect on the intention to use Paylater. Then the trust variable cannot moderate effort expectancy, habit, price value, hedonic motivation and social influence on the intention to use Paylater, maybe because Paylater has several risks so that trust cannot moderate these variables. This proves that the people of North Sumatra who use paylater are due to social influences without thinking about anything that is at risk for the user. It is hoped that the results of this study can be used as a reference for prospective Paylater users in using them and become information for related institutions. This research is expected to be information in developing further research by adding risk variables that influence the intention to use Paylater.
DETERMINANTS OF MOBILE BANKING USE AT SUMUT BANK CUSTOMER SHARIA BRANCH Muhammad Ariful Maarif; rahmat kurnia; nando farizal; ayu hidayati
Journal of Islamic Financial Technology Vol 2, No 1 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i1.8273

Abstract

Mobile banking is a bank service that allows customers to transact easily using the available internet network. However, the convenience of this service has not been fully utilized by customers of the Padangsidimpuan Syariah Branch of Bank Sumut. This study aims to determine whether there is an influence of information technology, service features, and convenience on the interest in using Mobile banking partially and simultaneously. The discussion in this study is related to customer interest in using Mobile banking in the field of banking science. The approach taken is theories related to interest in using Mobile banking. This research is a quantitative study using primary data obtained from distributing questionnaires. The population in this study are customers of Bank Sumut Syariah in 2020. Sampling used the Taro Yamane formula so that 99 customers were obtained as respondents.Keywords: Mobile banking, Determine, Shariah Branch.
Co-Authors Ahmad Afandi Annessa Fadhillah ayu hidayati Dia Purnama Sari Muhammad Arif Muhammad Ariful Maarif rahmat kurnia