Effect of architecture and efficiency of mobile banking application on the intention to continue using Islamic bank: does data security matter?
ISSN: 1759-0833
Article publication date: 30 April 2024
Issue publication date: 23 May 2024
Abstract
Purpose
This study aims to examine the effect of application architecture and application efficiency on the intention to continue using Islamic bank with data security as a moderator. The investigation was situated within the framework of a hacker attack that compromised the security of customer data at one of Indonesia’s largest Islamic bank.
Design/methodology/approach
A survey questionnaire method was used, and the sample population comprised users of Islamic bank in Indonesia. The respondents were then selected purposively with the criteria of individuals who were using mobile banking services. Furthermore, data collection in this study was carried out by distributing questionnaires online. To validate the questionnaire, consultation and validation were conducted by engaging four experts and conducting a pilot study. Hypothesis testing was performed using the structural equation modeling method based on partial least squares.
Findings
The results of the partial least square structural model assessment showed that application efficiency and data security positively influenced the intention to continue using Islamic bank, while application architecture had no effect. Furthermore, data security could not moderate the relationship between application architecture and efficiency toward the intention to continue using Islamic bank.
Practical implications
The results of this study suggested that Islamic banking practitioners must prioritize the enhancement of digital banking services, with a specific focus on improving application efficiency and ensuring robust data security. These two dimensions were critical determinants influencing the intention to continue using Islamic bank.
Originality/value
This study addressed the issue of data security as a moderator, particularly in the context of hacker attacks targeting a major Islamic bank in Indonesia. Furthermore, this current report expounded on the study conducted by Mir et al. (2022) by introducing novel dimensions to the e-service quality of internet banking.
Keywords
Acknowledgements
The authors express gratitude to Universitas Muhammadiyah Yogyakarta for funding this research. The authors also thank the research assistants who helped with questionnaire distribution.
Citation
Sofyani, H. and Darma, E.S. (2024), "Effect of architecture and efficiency of mobile banking application on the intention to continue using Islamic bank: does data security matter?", Journal of Islamic Marketing, Vol. 15 No. 6, pp. 1479-1497. https://doi.org/10.1108/JIMA-07-2023-0220
Publisher
:Emerald Publishing Limited
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