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"This study investigates what factors persuade consumers to purchase e-money via syariah m-banking applications. Researchers extended the Unified Theory of Acceptance and Use of Technology (UTAUT 2) to find new information as well as to accommodate the limitations and discussions of previous studies. A purposive sampling technique was adapted to select respondent criteria. The collected data from 120 respondents were analyzed using Partial Least Square Structural Equation Modeling (PLS-SEM), supported by WarpPLS 8.0, through three main stages of analysis: measurement model, structural model, and hypothesis testing. Additional analysis was undertaken to produce robust findings by explaining multicollinearity, common method bias, and multigroup analysis by categorizing two groups of respondents (male and female). Researchers found that only social influence and hedonic motivation have a significant effect on trust from the UTAUT 2 model. On the other hand, two exogenous constructs in the mobile service quality model proved to have a significant effect on trust, security (privacy), and practicality. Furthermore, the research showed that trust is a fundamental factor in influencing continuance intention because it produces the largest effect size (f-square) and significant path coefficient value. The findings should encourage all Islamic banking stakeholders and practitioners to increase individual trust by creating educational and innovative programs connected with consuming digital banking services, especially e-money purchases."

"Perkembangan pesat aplikasi mobile telah menjadi bagian penting dalam mendukung berbagai aktivitas, termasuk di industri telekomunikasi. Perusahaan pada industri telekomunikasi di Indonesia sendiri memiliki tantangan dalam menjaga tingkat customer churn yang tinggi. Faktor utama penyebab tingginya customer churn pada industri telekomunikasi adalah rendahnya tingkat customer experience dan loyalitas pelanggan yang rendah. Meskipun berbagai fitur telah dihadirkan oleh aplikasi mobile telekomunikasi seperti MyTelkomsel sebagai upaya peningkatan customer experience dan loyalitas pelanggan, tingkat kehilangan pelanggan di industri ini masih tinggi, sehingga diperlukan pemahaman mendalam mengenai faktor-faktor kualitas layanan mobile. Penelitian ini bertujuan untuk menganalisis pengaruh mobile service quality terhadap continuance intention pengguna aplikasi MyTelkomsel, yaitu aplikasi mobile telekomunikasi dari provider seluler dengan jumlah pengguna terbanyak di Indonesia. Dalam meneliti hal tersebut, tim peneliti menggunakan SERVQUAL theory, konstruk inertia, dan continuance intention yang diadaptasi dari berbagai penelitian terdahulu. Pengumpulan data kuantitatif dilakukan melalui kuesioner yang diisi oleh 487 responden dan data kualitatif melalui wawancara dengan 30 narasumber. Data kuantitatif dianalisis menggunakan metode Partial Least Square structural Equation Modelling (PLS-SEM) melalui perangkat lunak SmartPLS 4, sementara data kualitatif menggunakan metode content analysis. Hasil penelitian ini menunjukkan bahwa mobile service quality yang terdiri dari dua dimensi, yaitu application quality dan outcome quality berpengaruh terhadap continuance intention. Hasil penelitian ini diharapkan dapat menjadi masukan bagi penyedia layanan telekomunikasi, terkhusus pihak pengembang, mengenai aspek mobile service quality pada aplikasi mobile telekomunikasi apa saja yang dapat dikembangkan untuk meningkatkan niat keberlanjutan penggunaanya.......The rapid development of mobile applications has become an essential part of supporting various activities, including in the telecommunications industry. Companies in the Indonesian telecommunications industry face the challenge of maintaining high customer churn rates. The main factors causing high customer churn in the telecommunications industry are the low level of customer experience and low customer loyalty. Although various features have been introduced by mobile telecommunication applications like MyTelkomsel in an effort to improve customer experience and loyalty, the rate of customer loss in this industry remains high. Therefore, a deep understanding of the factors influencing the quality of mobile services is necessary. This study aims to analyze the impact of mobile service quality on the continuance intention of MyTelkomsel users, which is the mobile application of the largest cellular provider in Indonesia. To investigate this, the research team employs the SERVQUAL theory. constructs inertia, and continuance intention adapted from previous studies. Quantitative data was collected through a questionnaire completed by 487 respondents and qualitative data through interviews with 30 informants. The quantitative data was analyzed using the Partial Least Square Structural Equation Modelling (PLS-SEM) method through the SmartPLS 4 software, while the qualitative data was analyzed using content analysis. The results of this study indicate that mobile service quality, comprising two dimensions: application quality and outcome quality, affects continuance intention. These findings are expected to provide insights for telecommunications service providers, especially developers, on which aspects of mobile service quality in mobile applications can be enhanced to increase users' continuance intention."