Determinants of Students' Interest in Using BSI Cardless Withdrawal: Evidence from FEBI UINSU

Authors

  • Saibarani Nabila Universitas Islam Negeri Sumatera Utara
  • Nurwani Nurwani Universitas Islam Negeri Sumatera Utara
  • Laylan Syafina Universitas Islam Negeri Sumatera Utara

DOI:

https://doi.org/10.37680/ijief.v6i1.9575

Keywords:

Cardless Withdrawal; Digital Banking; Efficiency; Islamic Banking; Security; Technology Adoption; TAM

Abstract

Despite the growing adoption of digital banking services in Indonesia, empirical studies on the determinants of cardless withdrawal usage particularly within Islamic banking contexts remain limited. This study examines the influence of efficiency, convenience, and security on students’ interest in using the BSI Cardless Withdrawal feature, grounded in the Technology Acceptance Model (TAM). Using a quantitative survey approach, data were collected from 100 FEBI UINSU students selected through accidental sampling. Multiple linear regression analysis revealed that efficiency and security positively and significantly influenced students’ interest, while convenience did not yield a significant effect. Simultaneously, all three variables collectively had a significant positive impact. These findings contribute to the Islamic digital banking literature by highlighting that perceived security and operational efficiency are the primary drivers of cardless withdrawal adoption among young Muslim banking users, offering actionable insights for BSI in prioritizing service improvements.

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Published

2026-06-27

How to Cite

Nabila, S., Nurwani, N., & Syafina, L. (2026). Determinants of Students’ Interest in Using BSI Cardless Withdrawal: Evidence from FEBI UINSU. Indonesian Journal of Islamic Economics and Finance, 6(1), 303–318. https://doi.org/10.37680/ijief.v6i1.9575

Issue

Vol. 6 No. 1 (2026)

Section

Articles

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Copyright (c) 2026 Saibarani Nabila, Nurwani Nurwani, Laylan Syafina

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