EXPLORING GENDER DIFFERENCES IN DETERMINANTS OF BANK ALADIN SHARIA ADOPTION: A MULTI-GROUP ANALYSIS APPROACH

Introduction: This study aims to determine what factors lead people in East Java use Bank Aladin Sharia services based on gender differences.
 Methods: The PLS-SEM Multi Group Analysis approach is used as an evaluation model this study's quantitative methodology, which makes of SmartPLS 3.0. information was gathered by having respondents living fill out online survey, then divided gender. 417 who met the requirements being Indonesian citizens, Muslims, and capable cell phone users were sample.
 Results: Performance expectations, social influence, price values—generally have impact a customer's decision adopt digital Islamic banking services. same outcomes also seen male data group, demonstrating again how customer intents influenced performance values. pricing value variable only factor influencing intentions female group.
 Conclusion suggestion: results show that different encourage males females Researchers suggest banks can increase public understanding sharia has limitations UTAUT2 exogenous variable. In future research, it possible modify UTAUT-2 including moderating variable.