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: ???? ?????? ?????? ?????????
Hope this study beneficial to the rate of adoption of Islamic Bank in Indonesia.
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