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

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Analisis Ketertarikan Generasi Z Terhadap Perbankan Syariah di Era Digital: Studi pada BCA Syariah Rizkiatul Mubarokah; Halimah Nursai'dah; Muhamad Rizki Nurjaman; Puja Nurul Fadilah; Siti Nurkholizah; Sri Suharti
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 4 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i4.33089

Abstract

The rapid advancement of technology and information has driven the banking sector to continuously transform in order to maintain its business sustainability. This quantitative study aims to determine the level of Generation Z's interest in Islamic banking, particularly BCA Syariah. The study involved 115 respondents from Generation Z who actively use banking services. Primary data were collected through structured questionnaires and analyzed using descriptive analysis with the frequency distribution method. The results indicate that, in general, Generation Z's interest in BCA Syariah is relatively high, mainly driven by the ease of access and convenience offered by digital services, such as mobile banking and practical online account opening facilities. However, the study also found a moderate tendency reflected in the dominance of neutral responses. Generation Z still exhibits hesitation to fully switch to Islamic banking due to the comfort and familiarity they have experienced withconventional banks. These findings suggest that digital service innovation plays an important role in increasing Generation Z's interest in using BCA Syariah.
Co-Authors Halimah Nursai'dah Muhamad Rizki Nurjaman Rizkiatul Mubarokah Siti Nurkholizah Sri Suharti