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Keywords: Psychological barriers
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Journal Articles
Yudha Dwi Nugraha, Rezi Muhamad Taufik Permana, Nindya Saraswati, Eka Tresna Gumelar, Mochamad Malik Akbar Rohandi, Aditia Wirayudha
Journal of Islamic Accounting and Business Research 1–31.
Published: 20 April 2026
... literacy ( IFL ) and subjective well-being ( SWB ). It examines how functional and psychological barriers (usage, risk, value and image barriers) influence behavioural intention, actual adoption and post-adoption well-being among users of Sharia digital banking applications. The study further applies...
