ISLAMIC BANKING AND FINANCE (ECON 3430)

SEM 1 17/18

SECTION 1

SURVEY BASED REPORT

FACTORS OF CONSUMER STICKINESS ON ISLAMIC

MOBILE APPLICATION

ATHIRAH NABILAH BINTI HUSAIN 1427278

NORBUA BINTI AHMAD JAYA 1411224

NUR ADILA BINTI SHOPPRI 1413846

NUR SYAIRAH AQILAH BINTI AZMAN 1419898

LECTURER’S NAME : MOHAMED ASMY BIN MOHD THAS THAKER

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TABLE OF CONTENT

NO. CONTENT PAGE

1 INTRODUCTION 3-4

2 LITERATURE REVIEW 5-10

3 METHODOLOGY 11-12

4 DEMOGRAPHY ANALYSIS 13-20

5 RESEARCH FINDINGS 21-37

6 CONCLUSION 38

7 RECOMMENDATIONS 39

8 REFERENCES 40

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1.0 INTRODUCTION

In this era, the central point in evolution of technology is mobile phone when
people use their mobile phone every single day of their life because all the
information that they need is easy to access using mobile phone. We can clearly see
that the use of islamic mobile application is growing every single day. The world is
changing rapidly and we are experiencing a technology boom. Now you can easily
make the time spent in front of mobile productive and learn more about Islam.

Many mobile applications cater to religion needs. Some application can show
mosques and halal businesses close to the user’s location. Salah 3D is an iPhone
guide to how to pray. Another app, Quran Majeed, includes text and audio versions
of the Al-Quran not only in Arabic, but in other languages, making the Al-Quran more
accessible to Muslims whose first language is not Arabic. It has been downloaded
more than 3m times.

Top islamic mobile application that people will usually download and use are
firstly, Muslim Pro. Muslim pro will provide comprehensive information about the
prayer time, Al Quran and also help to find the exact direction for qibla. Next, an
application that provide us with a daily zikir, doa and even some useful hadith that
we can use in our daily life which is called Islamic Knowledge. These both Islamic
mobile application really helps the people in the entire world to have a very easy
access of Islam’s information and knowledge.

For the first time, people can easily separate religious commands from
tradition by looking at holy texts and scholarship rather than relying on their local
preachers. “The digital revolution has given a voice to young Muslims. It is allowing
us to criticise the religious establishment and create our own interpretations,”
explains Amir Ahmad Nasr, a 25-year-old Sudanese blogger.

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 Nowadays, people also familiar with the term of Islamic mobile banking. There
are many mobile application that available with the Islamic mobile banking. The
concept of Islamic banking was introduced in the 1940s. Since then Islamic banking
has grown into a multibillion dollar industry, with over 300 institutions across 75
countries (Khan and Bhatti, 2008).

Mobile commerce (M-commerce) consists of commercial transactions

conducted through mobile devices via wireless telecommunication networks (Yang,
2005), and mobile phone banking includes using mobile devices to conduct personal
nancing via SMS and the mobile internet.

The factors determining consumers’ intentions to adopt mobile phone banking

have been widely studied by both IT and marketing academics,and they offer insight
into the context of Islamic mobile phone banking

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2.0 LITERATURE REVIEW

2.1 Technology Acceptance Model (TAM)

Technology Acceptance Model has been broadly studied and used by various
researchers that examine and explain about the individual technology acceptance
behavior. David (1989) introduced this model which is the most reliable model to
measure the acceptance of people on new technology or information systems. This
theoretical model consists of two (2) beliefs which are Perceived usefulness (PU)
and Perceive ease-of-use (PEOU). Ulun Akturan and Nuran Tezcan (2012) in their
article defined PU as “the prospective user’s subjective probability that using a
specic application system will increase his or her job performance within an
organizational context” while PEOU is referring to “the degree to which the
prospective user expects the target system to be free of effort” (Davis et al., 1989, p.
985).

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2.2 Perceived Usefulness and Perceive Ease of Use
Perceived usefulness (PU) and Perceive ease of use (PEOU) are two (2)
beliefs which determine the attitudes of individual in adopting new technologies.
According to I-Chan Fang and Shih-Chieh Fang (2016), TAM is a practical theory
where the attitudes of technology users affect behavioral intention. Therefore, PU is
mainly focusing on the attitude of users if the technology or systems that they use is
beneficial to them while PEOU is related to attitude of users on using the systems
continuously as they receive many benefits from it. However, this research will not
include the ‘Attitude toward using’ (A) and ‘Actual system use’ as they are not fit and
suitable in measuring the stickiness of consumer on Islamic mobile application.
Thus, this research will include ‘subjective norm’ which it is available in TAM2. For
PU, people then to use or not use the system or application to the extent it will help
them perform their job better. For example, the prayer times application. They not
only notify prayer times to user’s mobile but also provide the Qiblah, Azan ant etc. If
the users think that the application is useful and they get many benefits from it, they
will keep using the application. To prove this, we developed the hypothesis:

H1: Perceived usefulness will positively affect the continuance intention to use
Islamic mobile application.

PEOU on the hands are about how much efforts the users have to put in order to use
the Islamic application. People tend to use more when it is very easy to use and they
don’t have to put much effort or even zero effort when they use the application.
Therefore, PEOU is included in finding out the factors on consumer stickiness on
Islamic mobile application. People normally will choose an application that is user
friendly and its not require more effort to understand how the application works. The
following hypothesis is to find out whether the PEOU is one factor of consumer
stickiness on Islamic mobile application.

H2: Perceive ease of use will positively affect the continuance intention to use
Islamic mobile application.

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2.3 Subjective Norm
Subjective norm is the performance of actions due to the influence of social
pressure (Venkatesh and Davis, 2000) in (Fang and Fang, 2016). Based on the
definition above, subjective norm is determined the social pressure to behave and
perform a certain manner or attitude. As an Islamic mobile application is widely
developed, we include the subjective norm to measure how the users act or behave
as Islamic mobile application is one of the important channels to find information.
Fang and Fang (2016) stated that ‘mobile app users may be affected by external
social influence’. Thus, subjective norm can also be a helpful tool to develop a better
Islamic mobile application based on how their attitudes towards the new technology.
For this research, subjective norm is included as the variable as some people
download and use the application because of the influence they receive from their
surroundings. Thus, subjective may be one of the factors of consumer stickiness on
Islamic mobile application. The following hypothesis is thus formulated:

H3: Subjective norm will positively affect the continuance intention to use the Islamic
mobile application

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2.4 Compatibility
According to Fang and Fang (2016), ‘innovation diffusion theory (IDT) is often
used to forecast and explain technology adoption and to dispersal behavior in the
field’. Innovation is very crucial when it comes to the development of new
technologies such as mobile application. Furthermore, innovation allows new
products to develop to feel the needs and expectations of the users. The features,
relative advantage, complexity, and compatibility are explaining the diffusion of
innovative technologies (Chen, Gillenson and Sherrell, 2002, in Fang and Fang,
2016). This innovation somehow can influence the behavior or attitude of the users
towards new technology.

Compatibility refers to the requirements needed when developing a new

system or technologies. In other words, compatibility is when there is no conflict or
product on the new system. Chang and Tung (2008) in Fang and Fang (2016)
explained that the probability in increasing the number of users depends on high
compatibility of the products. This study decided to include ‘compatibility’ as Islamic
mobile applications are currently developing fast and they provide many services to
the users which can be used in one's’ daily life and also improve the quality of life as
a Muslim. Therefore, it can be used to measure the stickiness of consumers on
Islamic mobile applications. Hypothesis is developed to prove this variable:

H4: Compatibility will positively affect the continuance intention to use the Islamic
mobile application

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2.5 Satisfaction
As mentioned above, TAM consists of two (2) beliefs which are PU and PEOU
where these two (2) beliefs can lead to satisfaction of the users after using the
systems or new technology. A good system or Islamic mobile application leads to a
good reaction or behavior towards the application. If the user's face no major
problem or conflict on the applications, it gives high satisfactions to the consumers.

Satisfaction can be a measurement to improve the features offered by mobile

application so that it can the consumers will stay loyal and probably will keep using
the systems if they accept the new changes. Therefore, satisfaction is one of the
variables used to measure the continual intention of the users towards Islamic
mobile application. Satisfaction can affect the continuance intention as it tells us
whether the mobile application meet the needs or expectation of the users on Islamic
mobile application. Thus, the hypothesis is:

H5: Satisfaction will positively affect the continuance intention to use the Islamic
mobile application

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2.6 Perceived Playfulness (PP)
Perceived Playfulness is an intrinsic motivation factor extended by Moon and
Kim (2001) in TAM (Felix Tan and Janine Chung, 2005). There are three aspects of
perceived playfulness which are concentration, curiosity and enjoyment (Fang and
Fang, 2016). Concentration refers to the ability to pay attention during the process of
engaging or using the Islamic mobile application. Curiosity means a strong desires to
learn something and able to figure out the new information in the process of using
the system and the last aspect is enjoyment which determine whether the user feel
happy or disappointed with the system or application.

Islamic mobile application is one of the platforms to spread the Islamic

messages or useful information to the Muslims. Therefore, these 3 aspects,
concentration, curiosity and enjoyment in perceived playfulness are important to
study the attitude of consumer towards Islamic mobile application. Thus, this study
includes perceived playfulness which it can give benefits to development of Islamic
mobile applications in the future. It can help them understand more about the needs
and expectations of the consumers so that they can be loyal and continue using the
applications. It is interesting to discover whether perceived playfulness is the factor
of consumer stickiness on mobile application, the following hypothesis suggested:

H6: Perceived playfulness will positively affect the continuance intention to use the
Islamic mobile application

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3.0 METHODOLOGY

STATEMENT OF OBJECTIVES

• To find out customer’s perspective on Islamic services on telecommunications

• To understand the factors that influence individuals to stick with Islamic
mobile applications in Malaysia
• To create awareness of the importance of Islamic services

By focusing on:
1) The demographic variables
- Demographic factors associated with different kind of people in different
places in Malaysia

2) Psychological beliefs and views

- The psychological factors are beliefs about the Islamic mobile applications

SELECTION OF A SURVEY FRAME

1) Content of the survey (Demographic)

To determine various characteristics such as:
• Age
• Sex
• Marital Status
• Level of education
• Occupation
• Number of families
• Monthly income
• Religion

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QUESTIONNAIRE DESIGN

How was the research/ survey conducted?

1) Identify the necessary relevant dimensions

- Gather all the needed information about behavior of its customers

2) Finalizing the questionnaire

- Relevant dimensions/ information helped in preparation of questionnaire
- The information is calculated by using the number of scale from 1 to 5 (1-
strongly disagree, 5- strongly agree), 27 questions

• Questionnaire is divided into two parts, Part A and part B

SAMPLING AND DATA COLLECTION

• Entire questionnaire was completed by using survey paper and face-to-face

approach
• Each of the members gather all information using Microsoft Excel

Total number of respondents : 250 participants

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4.0 DEMOGRAPHY ANALYSIS

The pie chart above shows the percentage of gender of the respondents. Majority of
the respondents is female. The number of female respondents is 141 people while
the number of male respondents is 109 people. In term of percentage, the female is
56% while male is 44%. There is slighty difference in the number of male and female
respondent as more females are willing to spend their time to answer the
questionnaires. In term of usage of Islamic mobile application, gender is not
influenced the factor of consumer stickiness on Islamic mobile application as most of
female and male respondents actually have the Islamic applications downloaded in
their mobile phones.

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The pie chart above shows the percentage of age. There are 4 choices of age range
which are 20-30 years old, 31-40 years old, 41-50 years olds and more than 50
years old. The pie chart shows that most of the respondents are from 20-30 years
old age range which contribute 46% of total respondents. Only 7% of respondents
are more than 50 years old. 31-40 years old and 41-50 years old age ranges are
contributed 32% and 15% of 250 respondents respectively. It can be concluded that
20-30 years old age range is the highest number of respondents as they are more
aware of the latest Islamic mobile applications while respondents that are more than
50 years old are not aware of the latest technology and not all of these respondents
know how to fully utilized the Islamic mobile application. Hence, the lowest
percentage of this age range.

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The pie chart shows half of the respondents has married which consists of 51 %.
And next to that, the respondents’ marital status is single and continued with
divorced. There are only 6 % of the respondents has been experiencing divorced.
Marital status is not really affecting the continuance intention of users to use the
Islamic mobile application. It is cannot be concluded that marital status is one of
demographic factors of consumer stickiness on Islamic mobile application as most
users whether they are single, married and divorced have the application on their
mobile phones.

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The pie chart above shows the level of education for all the respondents. There are
five level, that respondents have which is no education, SPM, diploma, degree and
postgraduate. And based on the chart, it can be seen that most of the respondents
are was in degree level which 39 %. And least of the respondents has no education
which only total of 5 %. Among 250 respondents, there are respondents from SPM,
Diploma, Postgraduate education background with 17%, 20% and 19% respectively.
This is because, most of the questionnaires are distributed to public and private
sectors. Therefore, most of them have good education backgrounds.

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The pie chart shows the level of occupation that the respondents currently are. And it
can be summarized that the public sector has dominated the most for the
respondents. There are 33% of the respondents are in that sector, and continued
with private sector, students, self-employed, housewife, and retired. There is only 3%
of the respondents has retired from work. The highest number respondents fall under
public sector because the mot of the questionnaires was given to public sector
respondents. Occupations do not affect the continuance intention of the users in
using the mobile application.

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Based on chart above, there are 41% of the respondents has more than four
members in their family. And the rest of other respondents who has one to four
members, slightly has the same average of percentage which about 11% to 17%. As
we know, most of Malaysians families have a big number of people in 1 family.
Therefore, most of the married respondents have more than 4 family members.
However, the other number of family member have only slight difference of
percentage. In terms of usage of Islamic mobile application, the number of family
members are not the factor of consumer stickiness on Islamic mobile application.

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For monthly income, there are six amount of scale that we have provided for the
respondents. And based on the pie chart above, 26% has generated income less
than RM1000. And continued with RM2001 to RM3000 and RM4001 to RM5000.
The percentage of monthly income that has less than 10% is the other scale which is
more than RM5000, RM1001 to RM2000 and RM30001 to RM4000. Even though
most of the respondents are coming from public sectors, but the highest income is
from below than RM1000 range of income. This is because, mostly students and
housewife don’t have fixed income and they are depending on their families.
Therefore, 19% of students and 7% of housewives contributed 26% of below
RM1000 income range.

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For religion variables, it can be concluded that definitely most of the respondents are
Muslim, as they are the one that dominated the Islamic mobile application. But still
we have the respondents that come from other religions such as Buddhist, Christian
and Hindu. The percentage of that particular religions are approximately the same
which is 3% to 4%. As this research is related to Islamic mobile application, therefore
90% of 250 respondents are Muslim as they are able to answer the questionnaires
and are more familiar with the systems of Islamic mobile application.

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5.0 RESEARCH FINDINGS

After all the members gather all the information in the microsoft excel, we will
calculate the average for every explanatory variables and the dependant variable.
For this issue, there are 6 explanatory variables. There are perceived usefulness,
perceived ease of use, subjective norm, compatibility, satisfaction, and perceived
playfulness. The dependant variable is continuance intention. It means that all the
explanatory variables will explain how much they will have an impact towards the
dependant variable. Then we will explain one by one of all the variables and explain
briefly why and how the respondents choose their answer.

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Perceived ease of use

For this variables, there are 4 questions relating to it.

Q5) It is easy to be proficient in using Islamic mobile apps

Q6) It is easy to obtain services from Islamic mobile apps
Q7) It is easy to operate Islamic mobile apps
Q8) It is easy to learn how to use Islamic mobile apps

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 We can see that the average of this variable is more than 4. It means that the
respondents agreed to the questions that being stated above. The respondents
agreed with that Islamic mobile applications is easy to use. Next, the find that Islamic
mobile applications is easy to find the services because they can easily download
the application through Google apps store or even the Apps store. Most of the
applications are free so it will not be a burden to the user to use it.

The respondents also find that the Islamic mobile application is easy to
operate because the language that the application use is not very hard to understand
and usually the company will use a simple english that will make the user easy to
understand. When the company use a simple english, it is very easy for the users
and in this case the respondents, to learn how to use the Islamic mobile apps.

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Perceived playfulness

For this variable, there are 4 questions relating to it.

Q24) I feel it is quite interesting to use Islamic mobile apps.

Q25) When using Islamic mobile apps, I will be in a pleasant mood.

Q26) I enjoy using Islamic apps.

Q27) When using Islamic mobile apps, I feel that time passes quickly.

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 We can see that the average of this variable is more than 3.5. It means that
the respondents agreed to the questions that being stated above. We can see that
the respondents find that the Islamic mobile applications is interesting to use
because some of the applications provide with some fun trivia or provide with the
essentials tools as a muslims. For example, Islamic mobile application called Muslim
Pro provide a service where you can search for the qibla using the compass that the
application have provided. For the users, it is very interesting to use the compass
and found the right kiblah for them.

Next, the respondents will be in a pleasant mood and actually enjoying the
Islamic mobile applications because of the factor that we have been mention about
about the ease of use. When the application is easy to use, it will make the users
feel happy and not stress of how to manage the applications.

The respondents stated that the Islamic mobile applications make their time
pass quickly because the application provide the user with full range of AL-Quran
and with the meaning. So, basically the user will learn about the Surah in and out
and will understand the meaning of the Surah beautifully and this will make their time
pass quickly but with some lesson that they get from the Surah itself.

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Perceived usefulness

For this variable, there are 4 questions relating to it.

Q1) Islamic mobile apps would increase life efficiency.

Q2) Islamic mobile apps would be helpful in obtaining useful information.

Q3) Islamic mobile apps would improve productivity.

Q4) Using Islamic mobile apps can improve quality of life.

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 We can see that the average of this variable is more than 3.5. It means that
the respondents being natural to the questions that being stated above. The
respondents find that the Islamic mobile application will help them to increase their
life efficiency. This is because, most of the Islamic mobile application provide with
the time of every prayer and also with a reminder. So with this service, the users will
perform their salah in time and will not forget about their responsibilities.

Next, the Islamic mobile application can help the user to get some useful
information for their daily life. As we have stated above. Some of the Islamic mobile
application will provide a servicer to find a nearest masjid or even a halal restaurant.
With the help of this service, it totally can give the user some good and useful
information that can improve their daily life.

The Islamic mobile application would improve the productivity of the

respondents. For example, some of the Muslim will have their own goals to finish
reading the Al-Quran for some specific period of time. Bringing the hard copy of the
Al-Quran itself sometime make it quite hard for the. So, with the Islamic mobile
application that provide the Al-Quran, it will make the people to read it anywhere and
anytime. All of this factor can help the respondents to improve their quality of life to
be more meaningful.

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Compatibility

For this variable, there are 4 questions relating to it.

Q13) I think Islamic mobile apps and computer software are similar to their
operation.

Q14) I think Islamic mobile apps will provide regular updates, and a device that is
capable of compatibility is very important.

Q15) I think that anything computers do, Islamic mobile apps can also do.

Q16) I think computer software and Islamic mobile apps can produce similar effects
when use.

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 We can see that the average of this variable is at 4. It means that the
respondents agreed to the questions that being stated above. The respondents find
that Islamic mobile applications have a similar operation with the computer software.
This is because with this era of technology, the company can create an operating
system that have a similar effect to the computer although we know that mobile is
way too small compared to the computer but somehow they manage to do it.

The respondents also stated that the Islamic mobile application that they have
will provide a regular updates and their device is capable to receive or download the
updates. The update is really essential because our time of prayer is not the same
every month or even the for every day. We know that our time of prayer is different
for every country and because of this this update is really important for the
application and for the user itself.

As we know, some browsers cannot be opened on mobile application and

some applications cannot be downloaded and used if the mobile phones do not meet
the requirement of operating systems. Different mobile phones have different
operating systems. Therefore, the compatibility is very important as it can allows
more people to download, use and update the application. There are many Islamic
applications that are compatible with many operating systems which attract more
users to use it in their daily life.

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Satisfaction

For this variable, there are 4 questions relating to it.

Q20) I am satisfied with the functional integrity of Islamic mobile apps.

Q21) I am satisfied with the accuracy of information of Islamic mobile apps.

Q22) I am satisfied with the easy to use interface of Islamic mobile apps.

Q23) I am satisfied with the smooth operation of Islamic mobile apps.

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 We can see that the average of this variable is more than 3.5. It means that
the respondents is being natural to the questions that being stated above. The
respondents being natural about their satisfaction with the functional integrity of
Islamic mobile application. This is because the respondents does not have enough
knowledge to confirm whether the Islamic mobile application is reliable or not.

Next, the accuracy of the information of Islamic mobile application makes the
respondents uncertain whether to agree or disagree with it because some of the
information provide by the Islamic mobile application are not related with any
Quranic verses or even hadith. So, it will make the user feel uneasy about it.

Some of the Islamic mobile application may have some deficit towards their
interface. This deficit will make the user or in this survey, the respondents, feel
unsatisfied with the application itself.

The Islamic mobile application that we can get from Google play or Apps store
is sometimes cannot be used without any internet connection. This problem will
make the operation of the application not running smoothly as the user want. Without
any internet connection, the service that the Islamic mobile application provided will
not be loading at all.

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Subjective norm

For this variable, there are 4 questions relating to it.

Q9) All my friends wanted me to use Islamic mobile apps.

Q10) My family is very supportive of my use of Islamic mobile apps.

Q11) My use of Islamic mobile apps is affected by the people around me who use
them.

Q12) I will listen to the advice of others and use Islamic mobile apps.

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 We can see that the average of this variable is at 4. It means that the
respondents really agreed to the questions that being stated above. The
respondents stated that the Islamic mobile application that they use was the one that
being introduced by their friends. The Islamic mobile application that the
respondents use is really high recommended by their friends and family. The family
of the respondents itself encourage and support them when they use the Islamic
mobile application.

It is true that the Islamic mobile application that the respondents use is
affected by the people who use it. They will see whether the application is good
enough for them then they will download it for themselves.

The respondents are being so open to listen to others advice of the Islamic
mobile application and really appreciate when other people recommend some new
Islamic mobile application to them.

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Continuance intention

For this variable, there are 3 questions relating to it.

Q17) I intend to increase my use of Islamic mobile apps in the future.

Q18) I intend to continue using Islamic mobile apps in the future.

Q19) I will always try to use Islamic mobile apps in my daily life.

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 We can see that the average of this variable is more than 3.5. It means that
the respondents agreed to the questions that being stated above. From the graph
above, we can see that the respondents are uncertain whether or not they will
increase their use of Islamic mobile application in the future. This is because of the
deficit that we have mentioned before. The deficit will make the user think twice
before they use it again in the future.

The respondents also uncertain whether or not they will continue to use the
Islamic mobile application or not. But from the graph, it is slightly to the right, so we
can say that the chance of the respondents to continue to use the Islamic mobile
application is quite high.

Same goes to the question of whether the respondents will always try to use
the Islamic mobile application in their daily life. The respondents still uncertain
whether they will use the Islamic mobile application in their daily life because the
information that they get from the application, they can get it somewhere else where
there is not internet connection needed.

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Then, we will use all data above and explain it briefly using a simple regression
analysis under Ordinary Least Square (OLS) method.

OLS METHOD

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 From the schedule above, we can see that R-squared is 0.38. In this case, it
means that 38% changes in dependant variable is explained by the change in
explanatory variables.

For the first explanatory variable, perceived ease of use, the t-statistic shows
that it is 0.209326 while its probability is 0.8344. From the t-statistic, we can tell that
the explanatory does not have much impact toward the dependant variable.

It is differ from the third explanatory variable which is perceived usefulness.

The t-statistic is 3.477880 and the probability is 0.0006. We can clearly see that this
explanatory variable gives such big difference to the dependant variable.

For example, if we drop the first explanatory variable from the equation, our
dependant variable which is continuance intention will still have a reliable variance.
But if we drop other explanatory variables such as subjective norm or even
perceived playfulness, our estimator will not be correct anymore. Characteristic of a
good estimator are having the smallest variance and unbiased.

All in all, we can say that, perceived usefulness and perceived playfulness
play a big role of the continuance intention rather that perceived ease of use and
compatibility.

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6.0 CONCLUSION

In conclusion, this study has achieved its objective in understanding the

factors that influence the stickiness of consumer towards Islamic mobile applications.
Survey on 250 respondents by using questionnaire with 27 questions had been done
to test the variables of perceived usefulness, perceived ease of use, subjective
norm, compatibility, continuance intention, satisfaction and perceived playfulness.

Firstly, based on the demographic factors, we can summarized that there are
only one variable which is age, that can affect the consumers to use the Islamic
mobile application. As the survey has been given to both female and male
respondents, the most user are was in age between 20 to 50 years old. They have
already acknowledged about this Islamic mobile application rather than people who
much older. This may be because lack of information and also more younger people
was already used to the technology gadget and mobile application.

In a nutshell, as a result of the analysis that had been done, it is clear that the
most three significant factors that affecting consumer stickiness to continue using
Islamic mobile application are satisfaction, perceived playfulness and perceived
usefulness. It can be said that the consumers will stick to the particular mobile
application if it can satisfied them, and also if the application has accurate
information that they need. For perceived usefulness, the consumers will utilize the
application that can increase their quality of daily life. Such in Islamic mobile
application, there are reminders, Al-Quran and hadith apps, and many more that are
very useful for the customers that they tend to stick with the application. And last but
not least, the perceived playfulness. This factor will sum up either the consumers are
enjoyable and happy using Islamic mobile application. It can be concluded also that
the Islamic mobile application is very interesting and easy to use it.

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7.0 RECOMMENDATIONS

For the development of Islamic mobile application, one of the

recommendation is to have wider range of information in an application. It is
recommended to include some other information about Islamic financial system
rather than just putting information on Ibadah matters only. This to educate public
and changing their perception on Islamic financial system.

Other than that, it is recommended for the banks to always up-to-date with
current technology and promote the use of Islamic mobile banking through mobile
application to ensure that the customers feel convenient to use the bank’s services
from anywhere. This also can ensure the increase of popularity of Islamic banks as
they have a better access for customers.

Lastly, it is recommended for Islamic mobile application developer to innovate

the application to be less use of mobile phone storage or memory and make the
application available to use while offline. This to eradicate the problem not enough
memory among the consumers and increase the perceived ease of use where
consumers are able to use the Islamic mobile application everywhere even though
they lost the internet connection.

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8.0 REFERENCES

Sun, S., Goh, T., Fam, K., Xue, Y., & Xue, Y. (2012). The influence of religion on
Islamic mobile phone banking services adoption. Journal of Islamic Marketing, 3(1),
81-98. doi:10.1108/17590831211206617

BEIRUT. (2012, August 18). The online ummah. Retrieved December 10, 2017, from
http://www.economist.com/node/21560541

Janine Chung., & Felix Tan. (2005). Validating the Extended Technology Acceptance
Model: Perceived Playfulness in the Context of Information-searching Websites.
Retrieved from

http://aisel.aisnet.org/cgi/viewcontent.cgi?article=1222&context=acis2005

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