The Ease of Use and Benefits of Making Cardless Cash Transactions

Authors

  • Akmal Riza febi uinar aceh
  • Evy Iskandar Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negari Ar-Raniry, Aceh
  • Nining Puji Rahayu Universitas Islam Negeri Ar-Raniry image/svg+xml

DOI:

https://doi.org/10.22373/ekobis.v10i1.33270

Keywords:

Benefits, Ease of Use, Interest

Abstract

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.

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Published

2026-06-01

Issue

Vol. 10 No. 1 (2026)

Section

Articles

License

Copyright (c) 2026 Akmal Riza; Evy Iskandar; Nining Puji Rahayu

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