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All Journal AL-ARBAH: Journal of Islamic Finance and Banking
Muhammad Rasyidin
Sultan Zainal Abidin University
Economics, Econometrics & Finance

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Determinants of Generation Z Interest in Using Bank Jago Syariah: Financial Literacy, Brand Trust, and Price Saving Orientation Alifatul Afwah; Arif Afendi; Mardhiyaturrositaningsih Mardhiyaturrositaningsih; Muhammad Rasyidin
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 8 No. 1 (2026)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2026.8.1.31524

Abstract

Purpose - This study aims to examine the effect of financial literacy, brand trust, and price-saving orientation on Generation Z’s intention to use Bank Jago Syariah in Semarang City. Method - The research method used in this study was quantitative. Data were collected through questionnaires distributed to 100 Generation Z respondents in Semarang using purposive sampling. The data were analyzed using multiple linear regression with SPSS version 26. Result - The results indicate that financial literacy, brand trust, and price-saving orientation have a positive and significant effect on Generation Z’s intention to use Bank Jago Syariah. Implication - These findings suggest that digital Islamic banks need to enhance financial education, strengthen brand credibility, and provide competitive financial benefits to attract younger users. Originality - This study contributes to the literature by examining the combined role of financial literacy, brand trust, and price-saving orientation in influencing Generation Z’s intention to use Islamic digital banking services. Keywords: Financial Literacy, Brand Trust, Price-Saving Orientation, Intention to Use, Generation Z
Co-Authors Alifatul Afwah Arif Afendi Mardhiyaturrositaningsih