Development of information systems in state universities, is needed in order to support more effective and efficient performance. This research was conducted to evaluate the factors that influence the intensity and behavior of users when using user systems. The sample are 240 users which were determined by using the convenience sampling method. The result confirms that the intensity of the use of the system by users is influenced by attitudes, subjective norms, and behavioral control. With the Theory of Acceptance Model (TAM) approach, the researchers also find that intensity is positively influenced by users' perceptions of system use and convenience. User intensity will increase their use of the system. In addition, the re-searchers found that the behavior in terms of using the system was also influenced by behavioral control and the user's perception of behavior in using the system. These results also show that the merging of the TAM and TPB models will have a greater impact on both the intensity and the actual behavior of users in the utilization of the system. The study has social implications for system developers, the user's psychological condition and system characteristics need to be considered in developing the system for future studies.

Financial literacy is one of the human capitals, which has a contribution in influencing financial behavior. In line with the development of Islamic financial products, the Islamic financial literacy is needed to be enhanced to support people’s financial decision making. This study aims to determine the dimensions of Islamic financial literacy. The study used 472 Sharia mutual funds’ individual investors who were collected using convenience sampling technique. Islamic financial literacy in this study was measured using 9 indicators. Based on exploratory factor analysis (EFA), two dimensions of Islamic financial literacy were extracted: the first dimension is labelled subjective knowledge of Sharia compliance and the second dimension is named subjective knowledge of riba and profit-sharing.