Exploration of Sharia Bank Services in Muhammadiyah’s Higher Education Students

In this era of digital transformation, technological advancements enable financial transactions on the M-Banking platform page, specifically, mobile banking for Muslims. The ability to easily and conveniently pay tuition fees using mobile banking is one of the numerous innovations and advantages of the current fintech application for its users. There is no longer a need to wait in long lines, even while paying for education, thanks to technological advancements. However, this finding sought to examine the variables that affected students’ intentions to use mobile banking (M-banking) of two significant Islamic banks in Indonesia, BSI Mobile and Muamalat DIN (Digital Islamic Network). Because of their partnership with Muhammadiyah University, everyone enrolled in this institution of higher learning will benefit. 657 people responded to the research. Smart PLS 3.3.3 is used for the analysis of structural equation models (SEM). The findings indicated that brand image has an impact on consumers’ intentions to utilize mobile banking, but perceived ease of use (PEOU), perceived usefulness (PU), and trust have no such impact. As a result of this study, transactions are made very simple by the advent of sharia m-banking, but there are still technological issues that banks must take into account while providing services through mobile banking applications.