This study aims to examine the effect of perceived usefulness (PU), perceived ease of use (PEU), trust (TR), subjective norm (SN), and attitude (AT) on customer’s Intention to Adopt Internet Banking (IAIB) at Islamic banks and conventional banks before and during the Covid-19 pandemic in Indonesia. The research model is based on the Theory of Planned Behavior (TPB) and the Technology Acceptance Model (TAM). This study involves 213 respondents for Islamic banks and 410 respondents for conventional banks from 25 provinces in Indonesia. Data was analyzed using partial least square (PLS) regression with the Structural Equation Model (SEM) method. The result of data analysis confirms several hypotheses taken from the literature. The results before the Covid-19 pandemic showed that AT and SN influence IAIB in Islamic banks. Whereas in conventional banks, AT, PU, SN, and TR influence IAIB. While during the Covid-19 pandemic, it shows that the AT, PU, IB, SN, and customer TR influence IAIB in Islamic banks and conventional banks. From the analysis, it was found that the PEU variable did not have a significant effect on the intention of customers of Islamic banks and conventional banks to use Internet banking.

The purpose of this study was to determine the effect of religiosity, knowledge and attitudes on consumer intention to consume halal food, cosmetics and pharmaceutical products in Indonesia. The data is collected from online questionnaires and the total data used for this study was obtained from a total of 684 respondents from 27 provinces in Indonesia. This study used a quantitative approach because the purpose of this study was to test hypotheses and the relationship between variables such as religiosity, knowledge, attitudes, and intentions to consume halal food, cosmetics and pharmaceutical products. The result of this study indicated that the relationship among religiosity, knowledge and attitudes positively influenced consumer intention to consume halal food, cosmetics and pharmaceutical products. The study also found that religiosity had more influence on consumer intentions to consume halal food than cosmetics and pharmaceuticals products. Meanwhile knowledge had more influence on consumer intention to consume halal pharmaceuticals than cosmetics and food products. In fact, attitude had a positive influence on intention to consume halal food and had a greater influence over it compared to consumption of cosmetics and pharmaceutical products. In addition, this study is one of the first attempts to determine the reason for differences in consumer intentions to consume halal food, cosmetics and pharmaceutical products in Indonesia.