IDEAS home Printed from https://ideas.repec.org/a/idn/jimfjn/v9y2023i4ap559-588.html
   My bibliography  Save this article

The Determinants Of Digital Banking Adoption Among Banks Offering Islamic Banking Services

Author

Listed:
  • Achmad Hidayat

    (Institute of Islamic Banking and Finance, Malaysia)

  • Salina Kassim

    (International Islamic University Malaysia, Malaysia)

Abstract

Technology advances in the financial sector have been a topic of much discussion within the banking industry. It is believed that the adoption of digital banking by banks depends greatly on their characteristics and the market they operate. This study examines the relationship between bank and market characteristics and the adoption of digital banking among banks that offer Islamic banking services in Indonesia. Data are gathered from banks’ annual reports, their first mobile banking app, financial reports, and banking statistics from 2010 to 2022. A panel logistic regression is utilized in the analysis. The results indicate that bank and market characteristics have a meaningful impact on a bank's decision to adopt digital banking. Additionally, it is found that banks are more inclined to adopt digital banking during the COVID-19 pandemic.

Suggested Citation

  • Achmad Hidayat & Salina Kassim, 2023. "The Determinants Of Digital Banking Adoption Among Banks Offering Islamic Banking Services," Journal of Islamic Monetary Economics and Finance, Bank Indonesia, vol. 9(4), pages 559-588, December.
    • Handle: RePEc:idn:jimfjn:v:9:y:2023:i:4a:p:559-588
    DOI: https://doi.org/10.21098/jimf.v9i4.1688
    as

    Download full text from publisher

    File URL: https://jimf-bi.org/index.php/JIMF/article/view/1688/950
    Download Restriction: no
    File URL: https://libkey.io/https://doi.org/10.21098/jimf.v9i4.1688?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    More about this item

    Keywords

    Digital banking; Islamic banking; Internet banking; Mobile banking;
    All these keywords.

    JEL classification:

    • G2 - Financial Economics - - Financial Institutions and Services

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:idn:jimfjn:v:9:y:2023:i:4a:p:559-588. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Lutzardo Tobing or Jimmy Kathon (email available below). General contact details of provider: https://edirc.repec.org/data/bigovid.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.