Electronic Theses and Dissertation

Transformasi digital melalui pemanfaatan artificial intelligence (ai) telah menjadi strategi penting dalam meningkatkan kualitas layanan perbankan, termasuk perbankan syariah. namun, keberhasilan implementasi teknologi tidak hanya ditentukan oleh kecanggihan sistem, tetapi juga oleh tingkat penerimaan pengguna dan keberlanjutan penggunaan layanan. penelitian ini bertujuan menganalisis pengaruh perceived usefulness, trust, dan perceived security terhadap continuance intention pengguna mobile banking berbasis ai pada perbankan syariah di aceh, dengan ai user acceptance sebagai variabel mediasi dan islamic financial literacy sebagai variabel moderasi. penelitian menggunakan pendekatan kuantitatif melalui survei terhadap 250 pengguna mobile banking syariah di provinsi aceh yang pernah berinteraksi dengan fitur berbasis ai. pengambilan sampel dilakukan menggunakan teknik purposive sampling, sedangkan analisis data menggunakan structural equation modeling–partial least squares (sem-pls). penelitian ini berkontribusi terhadap pengembangan model penerimaan teknologi dengan mengintegrasikan technology acceptance model (tam), unified theory of acceptance and use of technology (utaut), serta dimensi literasi keuangan syariah dalam konteks perbankan syariah berbasis ai. secara praktis, hasil penelitian memberikan rekomendasi bagi perbankan syariah untuk meningkatkan kualitas fitur ai, memperkuat keamanan dan kepercayaan pengguna, serta mengembangkan program literasi keuangan syariah guna mendorong keberlanjutan penggunaan layanan digital. kata kunci: perceived usefulness, trust, perceived security, ai user acceptance, islamic financial literacy, continuance intention.

The rapid advancement of Artificial Intelligence (AI) has significantly transformed the banking industry by enhancing operational efficiency and improving customer experience, including in Islamic banking. However, the successful implementation of AI-based technologies depends not only on technological sophistication but also on users' acceptance and their intention to continue using the services. This study aims to examine the effects of Perceived Usefulness, Trust, and Perceived Security on the Continuance Intention of AIenabled mobile banking users in Islamic banks in Aceh, Indonesia. The study further investigates the mediating role of AI User Acceptance and the moderating role of Islamic Financial Literacy. A quantitative research approach was employed by distributing structured questionnaires to 250 users of Islamic mobile banking services who had previous experience interacting with AI-based features. Data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The findings reveal that Perceived Usefulness, Trust, and Perceived Security have positive and significant effects on AI User Acceptance. Furthermore, both Perceived Usefulness and AI User Acceptance significantly influence users' Continuance Intention. The results also confirm that AI User Acceptance significantly mediates the relationships between Perceived Usefulness, Trust, Perceived Security, and Continuance Intention. In addition, Islamic Financial Literacy positively moderates the relationship between AI User Acceptance and Continuance Intention, indicating that users with higher levels of Islamic financial literacy are more likely to sustain the use of AI-enabled Islamic mobile banking services. Descriptive analysis further indicates that all research variables remain at a moderate level, suggesting that users' perceived benefits, trust, security perceptions, technology acceptance, and continuance intention have not yet reached an optimal stage. This study contributes to the literature by extending the Technology Acceptance Model (TAM) and the Unified Theory of Acceptance and Use of Technology (UTAUT) through the integration of Islamic Financial Literacy within the context of AI-enabled Islamic mobile banking. The findings provide practical implications for Islamic banks to improve AI-based service quality, strengthen customer trust and security, and promote Islamic financial literacy to enhance long-term customer retention. Keyword: Perceived Usefulness, Trust, Perceived Security, AI User Acceptance, Islamic Financial Literacy, Continuance Intention.