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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah
Intan Nurbaeti
Universitas Islam Nusantara
Economics, Econometrics & Finance Social Sciences

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Determinants of Generation Z Interest in Using Digital Banking Services: Evidence from PT Bank Syariah Indonesia Syifa Khoerunnisa; Hasna Tsamratul Fuadah; Widiya Ayatul Husna; Intan Nurbaeti; Najihan Audia Munadi; Sri Suharti
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i4.32918

Abstract

This study evaluates factors influencing Generation Z's interest in using digital banking services at PT Bank Syariah Indonesia (BSI), using a descriptive quantitative approach with questionnaire data from Generation Z in East Bandung. Results show some respondents chose BSI for its ease of transactions and sharia compliance, while others preferred competitors for more complete features, free transfers, and lower fees. The six main factors driving Generation Z's interest in BSI are: 1. Ease of use 2. Security 3. Service features 4. Perceived benefits 5. Financial literacy 6. Trust. Understanding Gen Z' interest in BSI is an important reference for the bank in designing effective digital strategies. Therefore, BSI must continuously improve its digital service quality, feature innovation, and sharia education to attract Gen Z.
Co-Authors Hasna Tsamratul Fuadah Najihan Audia Munadi Sri Suharti Syifa Khoerunnisa Widiya Ayatul Husna