The Combined Effect of Expectation Confirmation Model and Islamıc Theory of Consumer Behavior on Continuance Intent of M and Internet Banking Users of Islamic Banks

  • Darma Taujiharrahman Universitas Islam Negeri Walisongo
  • Siti Mujibatun
  • Ratno Agriyanto


The intention of Muslim consumers in Indonesia to continue using mobile banking services is investigated in this study. This research integrates two marketing theories, the expectation confirmation model and the Islamic theory of consumer behavior, to create a marketing framework model that may be used by Islamic banks. To address the problems of continuing to utilize mobile banking services in Islamic banks, this model includes attitudes, trust, perceived usefulness, satisfaction as a proxy for expectation confirmation, and sharia compliance as a proxy for Muslim customer behavior. A questionnaire with 136 replies was utilized to obtain the data used in the data analysis. To analyze measurements and structural models, the analysis technique employs SEM with a PLS approach. The findings show that directly, attitude, satisfaction, sharia compliance and trust have a significant positive effect on the continuance intention of sharia bank m-banking users. In indirect effect through satisfaction, attitude has a positive but not significant effect, while perceived usefulness, sharia compliance and trust through satisfaction have a positive and significant effect. This research gives helpful information that can be used by mobile banking service providers in Islamic banks to improve mobile banking services.


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How to Cite
Taujiharrahman, D., Mujibatun, S., & Agriyanto, R. (2022). The Combined Effect of Expectation Confirmation Model and Islamıc Theory of Consumer Behavior on Continuance Intent of M and Internet Banking Users of Islamic Banks. Annual International Conference on Islamic Economics and Business (AICIEB), 2(1), 276-287.