Superapp Byond: Technology Acceptance Mode (TAM) Analysis of Donation Decisions among BSI Customers in Malang City

Muhammad Fazil Zihni, Faizzatin Nur Laila, Haidar Jihadi Fillah

Abstract


Introduction to The Problem: The launch of BSI Mobile and Superapp Byond mobile banking is a form of fintech adoption by BSI that also offers digital ZISWAF features. There has been a surge in digital infaq transactions through Byond BSI, reaching 15 million transactions throughout 2024–2025. This transformation raises questions about the factors influencing customers' decisions to use these infaq features, particularly in the context of adopting Islamic financial technology.

Purpose/Objective of Study: This study aims to analyze the influence of perceived ease of use (PEOU) and perceived usefulness (PU) on customers' decisions to pay infaq through the Byond BSI Superapp in Malang City, using the Technology Acceptance Model (TAM).

Design/Methodology/Approach: This study uses a quantitative approach with a logistic regression method. Data was collected through a questionnaire distributed to customers using the Byond BSI Superapp in Malang City and analyzed to determine the influence of the PEOU and PU variables on the decision to pay zakat digitally.

Findings: Perceived ease of use (PEOU) and perceived usefulness (PU) have a positive, significant effect on the decision to donate. These findings confirm that the ease and usefulness of the Byond BSI Superapp are the main determinants in encouraging digital donation behavior among customers.

Paper Type: Research Article


Keywords


Technology Acceptance Model, Bank Syariah Indonesia, Superapp Byond BSI, Decision to Give Alms

Full Text:

PDF

References


Akbar, F., & Burhan, M. (2023). Pengaruh Persepsi Kemudahan Penggunaan, Efektivitas, Dan Risiko Penggunaan Digital Fundraising Terhadap Minat Pembayaran Dana Zakat, Infaq, Dan Shodaqoh (Zis) Pada Lembaga Zakat. Islamic Economics and finance in Focus. https://doi.org/10.21776/ieff.2023.02.03.08.

Afandi, M. Y. (2021). Antecedents of Digitising ZIS Payments: A TAM and TPB Approaches.

Journal of Finance and Islamic Banking, 4(2), 55-76.

Afifah, R. (2017). Pengaruh Manfaat, Kemudahan, Kepercayaan Dan Ketersediaan Fitur Terhadap Penggunaan Mobile Banking Bank Syariah Mandiri. Jakarta. Skripsi UIN Syarif Hidayatullah.

Alsmadi, A. A. (2025). Beyond compliance: Exploring the synergy of islamic fintech and CSR in fostering inclusive financial adoption. Future Business Journal, 11(1), 7. doi:https://doi.org/10.1186/s43093-025-00430-z

Amrizal, Sinulingga, G. & Nasution, E. J. A. (2024). Unlocking the Potential of Cash Waqf: A Behavioral Analysis through the Lens of the Theory of Planned Behavior (TPB). Academic Journal of Interdisciplinary Studies, 13(5), 317.

https://doi.org/10.36941/ajis-2024-0167

Arifin, J. (2002). Hubungan antara tipologi strategi kompetitif, kematangan teknologi informasi, dan ukuran perusahaan perbankan dengan respon strategik dalam menghadapi globalisasi. Jurnal Akuntansi Dan Auditing Indonesia, 6(1).

Arifin, Z., Thohir, M., & Setiawan, D. (2022). The influence of Technology Acceptance Model (TAM), religiosity, and trust on intention to donate through digital Islamic philanthropy platforms. International Journal of Islamic and Middle Eastern Finance and Management, 15(3), 509–527. https://doi.org/10.1108/IMEFM-06-2021-0242

Awards for excellence: Best digital bank in indonesia – bank syariah indonesia. (2024).

Euromoney.

https://www.proquest.com/trade-journals/awards-excellence-best-digital-bank-indonesi a/docview/3096716995/se-2

Baierle. C. B., Silva. S. T. D., Correa. R. G. D. F., Schaefer. J. L., Costa. M. B. D, Benitez, G. B., & Nara. E. O. B. (2022). Competitiveness of food industry in the era of digital transformation towards agriculture 4.0. Sustainability, 14(18), 11779.

doi:https://doi.org/10.3390/su141811779

Beik, I.S., Arsyianti, L.D. and Permatasari, N. (2024). Analysis on the determinant of millennials’ zakat payment through digital platform in Indonesia: a multinomial logistic approach. Journal of Islamic Marketing, 15 (2), 541-572.

https://doi.org/10.1108/JIMA-09-2021-0313

Bouheni, F. B., Tewari, M., Sidaoui, M., & Hasnaoui, A. (2023). An econometric understanding of fintech and operating performance. Review of Accounting & Finance, 22(3), 329-352. doi:https://doi.org/10.1108/RAF-10-2022-0290

Bank Syariah Indonesia. (2024). Digital Banking Dinilai Optimal, BSI Raih Penghargaan Best Digital Bank.

Bank Syariah Indonesia. (2024). LAPORAN TAHUNAN 2023 PT BANK SYARIAH INDONESIA, Tbk.

Bank Syariah Indonesia. (2025). Jadi Salah Satu Fitur Paling Diminati, Transaksi Ziswaf via Mobile Banking BSI Tembus Rp121M Pada 2024.

https://www.bankbsi.co.id/news-update/berita/jadi-salah-satu-fitur-paling-diminati-tran saksi-ziswaf-via-mobile-banking-bsi-tembus-rp121m-pada-2024

Cortina, J. M. (1993). What is coefficient alpha? An examination of theory and applications.

Journal of Applied Psychology, 78(1), 98–104. doi:10.1037/0021-9010.78.1.98 Firdaus, F., & Astuti, D. (2023). Millennials' Intention in Using Islamic Digital Charity

Platform: A TAM and TPB Perspective. Journal of Islamic Fintech, 2(2), 54–68. https://doi.org/10.24843/jif.2023.v2.i2.p4

Habibah, U., & Nurafini, F. . (2024). Pengaruh Persepsi Kegunaan, Kemudahan dan Risiko Terhadap Minat Membayar Zakat, Infaq dan Shodaqoh Menggunakan Fitur Berbagi-Ziswaf BSI. Jurnal Ekonomika Dan Bisnis Islam, 7(1), 97–111. https://doi.org/10.26740/jekobi.v7n1.p97-111

Hadi, S., & Novi. (2015). Faktor-Faktor Yang Mempengaruhi Penggunaan Layanan Mobile Banking. Jurnal Ekonomi dan Bisnis OPTIMUM.

Hakim, A. R. (2023). Data Nasabah Diduga Bocor dan Layanan Terganggu Sejak Senin, BSI Perlu Ganti Rugi?

Hammadi, M. A., Juan Antonio Jimber-Del Río, Ochoa-Rico, M., Orlando, A. M., & Vergara-Romero, A. (2024). Risk management in islamic banking: The impact of financial technologies through empirical insights from the UAE. Risks, 12(2), 17. doi:https://doi.org/10.3390/risks12020017

Hartanto, A., & Wahyuningtyas, R. (2023). Market share improvement strategy formulation through application digital platform in sharia bank of indonesia. International Journal of Research in Business and Social Science, 12(7), 114-125. doi:https://doi.org/10.20525/ijrbs.vl2i7.2817

Hassan, M. K., Rabbani, M. R., & Ali, M. A. M. (2020). Challenges for the islamic finance and banking in post COVID era and the role of fintech. Journal of Economic Cooperation & Development, 41(3), 93-116.

Hasyim, F., Awwal, M. A.-F., & Al Amin, N. H. (2020). ZISWAF Digital Payment as An Effort to Reach Millennials. Economica: Jurnal Ekonomi Islam, 11(2), 183–210. https://doi.org/10.21580/economica.2020.11.2.5752

Hasyim, F., Awwal, M. A.-F., & Al Amin, N. H. (2020). ZISWAF Digital Payment as An Effort to Reach Millennials. Economica: Jurnal Ekonomi Islam, 11(2), 183–210. https://doi.org/10.21580/economica.2020.11.2.5752

Hindardjo, A. & Evi, T. (2022). The Theory of Planned Behavior (TPB) Approach and Regulation on Muzakki's Behavior in Paying Zakat in DKI Jakarta Province. JEFMS Journal, 5 (3), 773-790. https://doi.org/10.47191/jefms/v5-i3-28

Ichwan, A. (2020). Pengaruh Technology Acceptance Model Terhadap Keputusan Muzakki Membayar Zakat Melalui Fintech Gopay. Jurnal Ilmiah Ekonomi Islam, 6(2), 129–135. https://doi.org/10.29040/jiei.v6i2.1011

International Data Corporation. (2024). Worldwide Spending on Digital Transformation is Forecast to Reach Almost $4 Trillion by 2027, According to New IDC Spending Guide.

Jiang, L., Zhang, J., & Wong, Y. D. (2024). Digital technology in occupational health of manufacturing industries: A systematic literature review. SN Applied Sciences, 6(12), 631. doi:https://doi.org/10.1007/s42452-024-06349-4

Jogiyanto. (2008). Analisis Dan Desain Sistem Informasi: Pendekatan Terstruktur Teori Dan Praktek Aplikasi Bisnis . Yogyakarta: Andi.

Khadafi, M. (2024). Daftar 10 Bank Syariah Terbesar di RI, BSI Belum Ada Lawan. CNBC Indonesia.

Kharisma, P., & Jayanto, P. (2021). Faktor-Faktor yang Mempengaruhi Minat Menggunakan E-Zakat dalam Membayar Zakat, Infaq, dan Sedekah. AKSES: Jurnal Ekonomi dan Bisnis. https://doi.org/10.31942/AKSES.V16I1.4471.

Kumar, D., Phani, B. V., Chilamkurti, N., Saurabh, S., & Ratten, V. (2024). A taxonomy of blockchain technology application and adoption by small and medium-sized enterprises. Entrepreneurial Business and Economics Review, 12(3), 141-160. doi:https://doi.org/10.15678/EBER.2024.120308

Kurniaputri, M. R. (2020). Intensi Perilaku dan Religiusitas Generasi Millenials Terhadap Keputusan Pembayaran ZIS Melalui Platform Digital. E-Qien:Jurnal Ekonomi dan Bisnis, 7(2), 15-22.

Koumas, M., Dossou, P. and Didier, J. (2021) Digital Transformation of Small and Medium Sized Enterprises Production Manufacturing. Journal of Software Engineering and Applications, 14, 607-630. doi: 10.4236/jsea.2021.1412036.

Lubis, A., & Nasution, M. (2022). The Role of Digital Zakat Platform in Enhancing Donation Behavior in Islamic Banking. Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah, 14(1), 87–101. https://doi.org/10.21093/al.v14i1.3892

Lee, N., & Suh, S. (2024). How does digital technology inspire global fashion design trends? big data analysis on design elements. Applied Sciences, 14(13), 5693. doi:https://doi.org/10.3390/app14135693

Multifiah, Satuman. (2011). ZIS Untuk Kesejahteraan Ummat. Malang: UB PressNajib, M. A. (2017). Penguatan Prinsip Syariah Pada Produk Bank Syariah. Jurisprudence, 2(1)

Oktavendi, T. W., & Mua’ammal, I. (2021b). The Role Of Risk, Trust, Social Influence On ZIS Online Payment Adoption: Generation-Z Perspectives. Jurnal Reviu Akuntansi Dan Keuangan, 11(2), 430–446. https://doi.org/10.22219/jrak.v11i2.17400

Plichta, S. B., Kelvin, E. A., Munro, B. H. (2013). Munro’s statistical methods for health care research (Sixth edition). Lippincott Williams & Wilkins.

Rahman, M., & Sari, N. P. (2022). Trust and experience in the use of digital zakat services: Case study in Islamic banking. International Journal of Islamic Economics and Finance Studies, 8(2), 50–66. https://doi.org/10.25272/j.2149-8407.2022.8.2.04

Rakhmania, N. A., Multifiah & Noor, I. (2024). The Influence of the Technology Acceptance Model on the Decision to Pay ZIS through Digital Payment in Malang City. International Conference on Social Science, 3 (2), 302-314. https://doi.org/10.59188/icss.v3i2.214

Santia, T. (2023). Usai Proses Maintenance, Layanan Kantor Cabang dan ATM BSI Kembali Pulih.

Schallmo, D., Williams, C.A, & Boardman, L. (2017) Digital transformation of business models — best practice, enablers, and roadmap. International Journal Innovation Management 21(8), 1-17 https://doi.org/10.1142/S136391961740014

Schmitt, N. (1996). Uses and abuses of coefficient alpha. Psychological Assessment, 8(4), 350–353. doi:10.1037 /1040-3590.8.4.350.

Suharto, S., & Laily, N. (2021). Determinants of Muslim intention to use Islamic financial technology (Islamic Fintech): Evidence from Indonesia. Journal of Islamic Marketing, 13(8), 1804–1824. https://doi.org/10.1108/JIMA-01-2021-0024

Suryani, E. (2020). ZAKAT INFAK SODAQOH SEBAGAI INSTRUMEN

PERTUMBUHAN EKONOMI DI INDONESIA. As-Syar'i : Jurnal Bimbingan & Konseling Keluarga. https://doi.org/10.47467/as.v2i2.127.

Syafira, F. N., Ratnasari, R. T., & Ismail, S. (2020). THE EFFECT OF RELIGIOSITY AND TRUST ON INTENTION TO PAY IN ZISWAF COLLECTION THROUGH

DIGITAL PAYMENTS. Journal of Islamic Economics and Business, 6(1), 98–115. https://doi.org/10.20473/jebis.v6i1.17293

Taber, K. S. (2013). Classroom-based research and evidence-based practice: an introduction (2nd ed.). London: Sage.

Tho’in, M. (2022). Acceptance and Usage Behavior of Bank Syariah Indonesia (BSI) Technology with TAM and Spiritual Motivation during the COVID-19 Pandemic. Universal Journal of Accounting and Finance, 10(3), 719-728.

Wardani, A. S. (2023). BSI Diduga Kena Ransomware, Pakar: Antivirus Saja Belum Tentu Bisa Melawannya.

Wicaksono, S. R. (2022). Teori dasar Technology Acceptance Model. Yogyakarta: CV Seribu Bintang.

Zhao, Z. (2024). Leveraging digital health for strategic advancement in the sports industry: A multivariate analysis and developmental pathway: Research and regulation. Journal of Commercial Biotechnology, 29(5), 155-167. doi:https://doi.org/10.5912/jcb1933

Kharisma, P., & Jayanto, P. Y. (2021). Faktor-Faktor yang Mempengaruhi Minat Menggunakan E-Zakat dalam Membayar Zakat, Infaq, dan Sedekah. AKSES: Jurnal Ekonomi Dan Bisnis, 16(1), 47–56. https://doi.org/10.31942/akses.v16i1.4471

Paramita, D. A., & Hidayat, A. (2023). The effect of perceived ease of use, perceived usefulness, and perceived benefits on interest in using Bank Syariah Indonesia mobile banking. International Journal of Research in Business and Social Science (2147-4478), 12(5), 01–09. https://doi.org/10.20525/ijrbs.v12i5.2643




DOI: https://doi.org/10.37058/jes.v10i2.15854

Refbacks

  • There are currently no refbacks.


Journal index by:

   

 

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.Â