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The Ease of Use and Benefits of Making Cardless Cash Transactions

Kemudahan Penggunaan dan Manfaat Melakukan Transaksi Penarikan Tunai Tanpa Kartu Menggunakan Mobile Banking

EKOBIS Syariah · Vol. 10 No. 1 (2026) · pp. 82–97

DOI
10.22373/ekobis.v10i1.33270
ISSN
2579-7042
Published
2026-06-06
Publisher
Universitas Islam Negeri Ar-Raniry Banda Aceh
Language
eng
License
creativecommons.org/licenses/by-sa/4.0

Abstract

English

This study aims to examine cardless cash withdrawal transactions through mobile banking and their role in increasing transaction intention in Islamic banking. Specifically, the research investigates the effects of perceived ease of use and perceived benefit on users’ intentions to conduct cardless cash withdrawal transactions using BSI Mobile among students at UIN Ar-Raniry in Banda Aceh. A quantitative research approach with an associative design was employed. Primary data were collected through a structured questionnaire distributed to 100 student BSI Mobile users, selected using a non-probability sampling technique with purposive sampling. The data were analyzed using multiple linear regression method to test the proposed hypotheses. The results reveal that perceived usefulness has a positive and significant effect on users’ intention to conduct cardless cash withdrawal transactions via BSI Mobile. In contrast, perceived ease of use has no effect on transaction intention. These results provide valuable insights into the determinants of digital banking service adoption among university students, particularly in the context of Islamic banking.

Indonesian

Penelitian bertujuan untuk mengetahui pengaruh kemudahan penggunaan dan manfaat terhadap minat melakukan transaksi tarik tunai tanpa kartu menggunakan BSI Mobile. Penelitian dengan metode kuantitatif jenis penelitian yang digunakan penelitian asosiatif, menggunakan teknik non probability sampling dengan 100 sampel dari Mahasiswa UIN Ar-Raniry Banda Aceh pengguna BSI Mobile. Hasil penelitian menunjukkan bahwa secara parsial, variabel manfaat terbukti berpengaruh positif dan signifikan terhadap Mahasiswa dalam melakukan transaksi tarik tunai tanpa kartu menggunakan BSI Mobile. Namun, variabel kemudahan penggunaan tidak berpengaruh terhadap Mahasiswa. Penelitian ini memberikan wawasan terkait faktor-faktor yang mempengaruhi penggunaan layanan digital perbankan di kalangan mahasiswa.

Keywords

Collaboration network of the authors

30 authors · 62 co-authorship links

Hover or tap a name to highlight its co-authors. Double-click to open the author's page.

  • Muria Kudus University
  • Institut Teknologi Sepuluh Nopember
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Muhammad ArifinMuria Kudus University3
Nevi HasnitaAffiliation unknown2
Inayatillah DjakfarAffiliation unknown2
Indira Arsy PutriAffiliation unknown2
Azharsyah IbrahimAffiliation unknown1
Muna DahliaAffiliation unknown1
Vira Clarissa KsrisyaAffiliation unknown1
shafia marzatiAffiliation unknown1
AyumiatiAffiliation unknown1
Cut Lisa Nun ZikirAffiliation unknown1
Dian MuzerikaAffiliation unknown1
Israk AhmadsyahAffiliation unknown1
Sayid AbrarAffiliation unknown1
Wildan SyakuraAffiliation unknown1
Ayumiati AyumiatiAffiliation unknown1
faris auliaAffiliation unknown1
Khufwatul JannahAffiliation unknown1
Nurraiyana AnadilaAffiliation unknown1
Riski Walidaini UlfaAffiliation unknown1
Birrul WalidainAffiliation unknown1
Isnaliana IsnalianaAffiliation unknown1
Nazar NazarAffiliation unknown1
Lukman HakimInstitut Teknologi Sepuluh Nopember1
Muhammad RizaldiAffiliation unknown1
Agus SumanAffiliation unknown1
Marlina EkawatyAffiliation unknown1
Nasywa ZhahirahAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://jurnal.ar-raniry.ac.id/index.php/ekobis/oai, first harvested 7 Nov 2026, last seen 8 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en">The Ease of Use and Benefits of Making Cardless Cash Transactions</dc:title>
	<dc:title xml:lang="id">Kemudahan Penggunaan dan Manfaat Melakukan Transaksi Penarikan Tunai Tanpa Kartu Menggunakan Mobile Banking</dc:title>
	<dc:creator xml:lang="en">Riza, Akmal</dc:creator>
	<dc:creator xml:lang="en">Iskandar, Evy</dc:creator>
	<dc:creator xml:lang="en">Rahayu, Nining Puji</dc:creator>
	<dc:subject xml:lang="en">Benefits</dc:subject>
	<dc:subject xml:lang="en">Ease of Use</dc:subject>
	<dc:subject xml:lang="en">Interest</dc:subject>
	<dc:description xml:lang="en">This study aims to examine cardless cash withdrawal transactions through mobile  banking and their role in increasing transaction intention in Islamic banking. Specifically, the research investigates the effects of perceived ease of use and perceived benefit on users’ intentions to conduct cardless cash withdrawal transactions using BSI Mobile among students at UIN Ar-Raniry in Banda Aceh. A quantitative research approach with an associative design was employed. Primary data were collected through a structured questionnaire distributed to 100 student BSI Mobile users, selected using a non-probability sampling technique with purposive sampling. The data were analyzed using multiple linear regression method to test the proposed hypotheses. The results reveal that perceived usefulness has a positive and significant effect on users’ intention to conduct cardless cash withdrawal transactions via BSI Mobile. In contrast, perceived ease of use has no effect on transaction intention. These results provide valuable insights into the determinants of digital banking service adoption among university students, particularly in the context of Islamic banking.</dc:description>
	<dc:description xml:lang="id">Penelitian bertujuan untuk mengetahui pengaruh kemudahan penggunaan dan manfaat terhadap minat melakukan transaksi tarik tunai tanpa kartu menggunakan BSI Mobile. Penelitian dengan metode kuantitatif jenis penelitian yang digunakan penelitian asosiatif, menggunakan teknik non probability sampling dengan 100 sampel dari Mahasiswa UIN Ar-Raniry Banda Aceh pengguna BSI Mobile. Hasil penelitian menunjukkan bahwa secara parsial, variabel manfaat terbukti berpengaruh positif dan signifikan terhadap Mahasiswa dalam melakukan transaksi tarik tunai tanpa kartu menggunakan BSI Mobile. Namun, variabel kemudahan penggunaan tidak berpengaruh terhadap Mahasiswa. Penelitian ini memberikan wawasan terkait faktor-faktor yang mempengaruhi penggunaan layanan digital perbankan di kalangan mahasiswa.</dc:description>
	<dc:publisher xml:lang="en">Universitas Islam Negeri Ar-Raniry Banda Aceh</dc:publisher>
	<dc:date>2026-06-06</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://jurnal.ar-raniry.ac.id/index.php/ekobis/article/view/33270</dc:identifier>
	<dc:identifier>10.22373/ekobis.v10i1.33270</dc:identifier>
	<dc:source xml:lang="en">EKOBIS Syariah; Vol. 10 No. 1 (2026): Modern Islamic Economic Paradigm: The Synergy of Technology, Social Finance, and Consumer Morality; 82-97</dc:source>
	<dc:source>2579-7042</dc:source>
	<dc:source>10.22373/ekobis.v10i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://jurnal.ar-raniry.ac.id/index.php/ekobis/article/view/33270/12914</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2026 Akmal Riza; Evy Iskandar; Nining Puji Rahayu</dc:rights>
	<dc:rights xml:lang="en">http://creativecommons.org/licenses/by-sa/4.0</dc:rights>
</oai_dc:dc>