AI-Enabled Mobile Banking Continuance in a Sharia-Based Financial Ecosystem: Security, Trust, User Acceptance, and Islamic Financial Literacy

This study examines continuance intention toward Islamic mobile banking with AI-related or AI-supported features in Aceh, Indonesia, a regulated Sharia-based financial ecosystem. It develops and tests a model linking perceived AI usefulness, perceived AI security, trust in AI-based financial services, AI user acceptance, Islamic financial literacy, and continuance intention. Survey data from 250 Islamic mobile banking users were analyzed using PLS-SEM. The findings show that perceived AI usefulness, perceived AI security, and trust are positively associated with AI user acceptance and continuance intention. AI user acceptance is the strongest direct predictor of continuance intention and acts as a complementary partial mediator in the relationships between usefulness, security, trust, and continuance intention. Islamic financial literacy is also positively associated with continuance intention and strengthens the relationship between AI user acceptance and continuance intention, confirming its quasi-moderating role. These findings suggest that continuance intention toward Islamic mobile banking with AI-related or AI-supported features depends not only on technological value, security, and trust, but also on users’ ability to evaluate digital financial services through Islamic financial principles. The study contributes to financial technology, risk management, and Islamic fintech literature by offering a context-sensitive explanation of AI-related continuance behavior in a Sharia-based financial ecosystem.