Perception and Decision to Use Financial Services Application Ibnu Affan Islamic Co-operative LTD.

Abstract

          This research aims to 1) investigate the reasons why members do not register for the financial application of Ibn Affan Islamic Cooperative Ltd.  2) It also aims to compare the acceptance of financial application services between users who have previously used the app and those who have not. 3) Examine the influence on members’ decisions to use the financial application of Ibn Affan Islamic Cooperative Ltd. This research was quantitative.
          The researcher collected data from a sample of 326 participants. Collected data by questionnaire. The statistical methods used for data analysis included descriptive statistics (frequency, percentage, arithmetic mean, and standard deviation) and inferential statistics to analyze differences using t-tests. Additionally, Chi-Square (χ2) was employed to assess the statistical significance of the influence on acceptance and decision-making regarding the use of the financial application.
         As a result, the study found :1) Members are aware that the cooperative has a financial application but they don’t know how to use it, and some do not wish to use the financial application. 2) Members who have used the application before find it easy to sign up use, but those who have never used it feel they don’t know how to use it and are unwilling to try. 3) The findings indicate that factors influencing the decision to use the app include ease of registration, members’ awareness, safety of use, and consideration of the necessity of the cooperative’s app. It is recommended that the cooperative should enhance promotion and provide members with guidance on using the app. Furthermore, the app should be developed to allow payments for various goods and services, reduce bank transfer fees, and include the Malay (Jawi) language in the financial application.