THE EFFECT OF PERCEIVED EASE OF USE ON INTENTION TO USE ON BANK SYARIAH INDONESIA MOBILE BANKING USERS IS MEDIATED BY E-TRUST AND RELIGIOSITY AS MODERATORS

The increase in smartphone users has driven customer demand for mobile banking services, so that many banks have offered innovative services to expand the reach of their customers who accounts or those do not bank accounts. Banking is developing use as a meet increasing transaction needs individuals and companies. This supported by advances technology, especially cellular telecommunication. Research on "The Influence Perceived Ease Use Behavioral Intention mediated E-Trust Religiosity moderators Bank Syariah Indonesia users" using quantitative approach. study explains influence between ease behavioral intention with religiosity trust mediating variables. uses PLS analysis technique. Based findings this study, it been found measured belief, experiential, considering benefit product, carrying out activities accordance Islamic teachings confirmed affect confidence BSI Mobile. results also show perceived significant important impact through e-trust. e-trust mediation complete mediation. When assessed lacking user, user will application. Therefore bridged effect variable. In case must be able guarantee all security personal data customers, maintain credibility company realize positive expectations its E-Trust. partial role intention. It means, can directly indirectly trust. application providers need improve strategies Mobile there continuous system.