Determinasi Minat Generasi Z dalam Mengadopsi Mobile Banking Syariah: Peran Literasi Keuangan Digital, Kualitas Layanan, dan Inovasi BYOND by BSI

Dina Maghfiroh; Fatihatus Sahliyah; M. Nasyah Agus Saputra

doi:10.55352/uq.v10i2.3323

Authors

Dina Maghfiroh Universitas Qomaruddin, Indonesia
Fatihatus Sahliyah Universitas Qomaruddin, Indonesia
M. Nasyah Agus Saputra Universitas Qomaruddin, Indonesia

DOI:

https://doi.org/10.55352/uq.v10i2.3323

Keywords:

Digital Financial Literacy, Mobile Banking Quality, Sharia Service Innovation

Abstract

According to the 2024 National Survey of Financial Literacy and Inclusion conducted by the Financial Services Authority (OJK) and Statistics Indonesia (BPS), the Islamic financial literacy and inclusion indices among students were 30.17% and 9.58%, respectively. These figures highlight the importance of examining factors associated with the use of Islamic financial services among Generation Z. This study aims to analyze the influence of digital financial literacy, mobile banking quality, and Islamic service innovation on Generation Z’s interest in using BYOND by BSI. The study population comprised 954 active students at Qomaruddin University in Gresik. Using the Slovin formula with a 10% margin of error, the minimum sample size was calculated to be 91 respondents. A total of 102 respondents who met the predetermined purposive sampling criteria were included in the study. This study employs a quantitative approach using multiple linear regression analysis. Primary data was collected via a questionnaire, while secondary data was obtained from literature reviews. The results indicate that digital financial literacy, mobile banking quality, and Sharia service innovations have positive and significant individual effects on Generation Z’s interest in using BYOND by BSI. Simultaneously, these three variables also have a significant influence on interest in using BYOND by BSI. This study implies that improving digital financial literacy, enhancing mobile banking quality, and developing Sharia service innovations can increase Generation Z’s interest in using digital Sharia banking services.

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