The Influence of Trust and Risk Perception on Interest in Using Sharia Mobile Banking: A Literature Study
DOI:
https://doi.org/10.38035/eb8a7q92Keywords:
Trust, risk perception, Islamic mobile banking, interest in using, literature reviewAbstract
The digitalization of Islamic financial services presents challenges as well as opportunities in increasing financial inclusion based on Islamic principles. This study aims to analyze the influence of trust and perceived risk on the interest in using Islamic mobile banking through a literature review approach. Data sources were obtained from reputable scientific journal articles published between 2015 and 2024, focusing on relevant empirical studies in the context of Islamic banking. The review results show that trust, which includes technological reliability, bank reputation, and compliance with Islamic principles, has a significant effect on user interest. Meanwhile, high risk perceptions related to data security, doubts about Islamic compliance, and technological uncertainty are inhibiting factors.
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