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All Journal Formosa Journal of Multidisciplinary Research (FJMR)
Zhuroyya Nabila
Universitas Mataram
Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Education Social Sciences

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The Effect of Financial Literacy, Financial Inclusion, and Brand Image on the Use of Islamic Banking Digital Services: Case Study at Bank NTB Syariah Zhuroyya Nabila; Bambang Bambang
Formosa Journal of Multidisciplinary Research Vol. 4 No. 2 (2025): February 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjmr.v4i2.75

Abstract

This study analyzes the influence of financial literacy, financial inclusion, and brand image on the use of digital Islamic banking services at Bank NTB Syariah. The approach used used is a quantitative method with survey techniques, where data is collected through questionnaire of 100 respondents who chosen with snowball sampling technique. SPSS was used to do multiple linear regression analysis on data.  The study's findings reveal that financial inclusion and brand image have a substantial impact on the utilization of digital services. Banking sharia has no discernible effect, whereas financial literacy does. The F test indicates that the three variables simultaneously affect the use of digital services. The k value efficiency determination (R²) of 68.6% shows that the independent variables can explain variations in the use of digital Islamic banking services.
Co-Authors Bambang Bambang