Abstract:
The sluggish of market penetration of the Islamic Bank in Indonesia needs to be examined
considering the huge of the population of Muslim is about , 241.7 million or 0.87% of the total
population (Dataindonesia.id, Monavia Ayu Rizati et al. 2023) but currently registered
customers is only about 30-millions (Hery Gunardi CEO BSI n.d.). There are several factors that
must be studied, especially the extent to which Islamic Banks utilize Media Channel -
Information Communication Technology (ICT) (Blackburn, 2011) and community leaders as
Agents of Change (AC) in attracting adoption (Sahin and Rogers, 2006). The survey in the form
of Goggle Form has been distributed to 450-samples who are resident of Java with the
expectation of 384 maximum number sizes as theory of Determining Sample Size (KREJCIE,
1970) and it have been returned satisfactorily.The analysis is using PLS SEM software to
answer the hypothesis of H-1 for ICT and H-2 for Agent of Change that have proved in
attracting customer’s adoption
Hadits HR Bukhari: آية ولو عني بلغو
Hope this study beneficial to the rate of adoption of Islamic Bank in Indonesia
