Post-adoption behavior analysis: An empirical study of the expectation confirmation model on sharia mobile banking in Indonesia

This study investigates the factors influencing the continued use of Islamic mobile banking services in Indonesia, focusing on the role of religiosity and digital literacy within the Expectation Confirmation Model (ECM) framework. Despite technical disruptions, many users continue to use Islamic mobile banking services, raising questions about the underlying drivers of behavior. This study uses a quantitative approach with a survey method. Using purposive sampling, data were collected from 505 Islamic mobile banking users in Indonesia. Data analysis was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM) to test the relationship between variables. The results showed that religiosity and Perceived Usefulness significantly influenced user satisfaction. In addition, user satisfaction directly increases IS Continuance Intention, meaning that the more satisfied users are with the service, the higher their intention to continue using it. Furthermore, this study tests the Expectation Confirmation Model (ECM) by integrating religiosity and digital literacy as important external factors, extending its application to Islamic digital services. The research findings show that user values (religiosity) and digital skills (literacy) significantly shape satisfaction and intention to continue beyond technical performance. Further research can explore users' psychological and behavioral aspects that contribute to user decisions in using Islamic mobile banking services in the digital era.