Analysis to increase sharia credit card users: study in four cities in Indonesia

Abstract

Purpose

The purpose of this study is to examine the effect and influence of perceived usefulness and perceived ease of use on knowledge sharing to improve and use Islamic credit cards.

Design/methodology/approach

Structural equation modeling was used in the analysis of the data collected from 160 respondents in four cities in Jakarta, Indonesia, using an online survey.

Findings

This study analyzes the effect of perceived usefulness and perceived ease of use on knowledge management, and also analyzes the effect of increasing knowledge management in increasing Islamic credit card users, as well as the role of knowledge management as mediation.

Research limitations/implications

This study only examines Islamic credit cards by looking at the contribution of the role of perceived usefulness and perceived ease of use knowledge management that are felt by users and prospective users of Islamic credit cards.

Practical implications

The results of this study highlight the need for Islamic banks to provide and increase knowledge to understand and know well about Islamic credit cards, which can increase intentions to become new users.

Originality/value

This research provides additional knowledge on Islamic credit cards, commonly referred to as bithaqah al-l’timan, as a means of payment and cash withdrawals in accordance with applicable regulations with reference to Islamic principles and policies by providing convenience, security and comfort for credit card users and for bank customers. Sharia banking can also grow the sharia economy, which currently Indonesia is still far behind.