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The purpose of this study is to propose an extended model of technology acceptance model (TAM) in the use of financial technology (Fintech) in the context of Islamic philanthropy, especially by studying and exploring the role of trust, image and religiosity in TAM, and to provide policy recommendation for the authorized organizations in Indonesia regarding several crucial factors that need to be considered so that Indonesian Muslims are willing to use Fintech for philanthropic purposes.

Online surveys were conducted to collect the data, of which 425 respondents have completed and returned the questionnaire. Multiple linear regression model and multi-variate analysis of variance are applied to test the statistical hypotheses.

This study supports the theory of reasoned action and the TAM. In which, the relationship between perceived ease of use and perceived usefulness with TAM is determined by trust and religiosity.

It is worth to note the limitation of this study lies in the sampling technique and data collection. Indonesia is a fast archipelago country and consists of 34 provinces, but not all of the provinces are represented in the sample. The selected respondent heavily depends on the previous respondent’s willingness to share the questionnaire. So that the number of respondents does not proportionate to region or province.

This study offers an extended model of TAM that has never been done before, namely, by exploring the role of trust, religiosity and image, in the context of Islamic philanthropy.

The purposes of this study are to develop an extended technology acceptance model (TAM) model by adding customer intimacy, perceived risk, trust and Sharia compliance as external variables, in which TAM is used as the evaluation method for the use of e-banking and m-banking by customers of Islamic bank; and to study the role of customer intimacy in increasing satisfaction and encouraging loyalty of Islamic bank customers in using e-banking and m-banking.

Data collection is carried out by the self-administered survey method with Islamic bank customers as target population. Multivariate analysis of variance and multiple linear regression are applied for data analysis.

Customer intimacy not only encourages the emergence of customer loyalty directly, but also affects the factors that determine customer loyalty itself, such as perceived usefulness, perceived ease of use, perceived risk, trust, sharia compliance and satisfaction. In other words, customer intimacy has a direct and indirect influence on loyalty.

This paper offers an extended TAM constructs to study the role of customer intimacy in increasing loyalty by considering various variables, namely, perceived risk, trust, Sharia compliance and satisfaction. Similar research is still very limited in the banking marketing literature, especially in Islamic banks context.