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All Journal Al-Ihkam: Jurnal Hukum dan Pranata Sosial Global Review of Islamic Economics and Business Jurnal Ilmiah Ekonomi Islam Perisai : Islamic Banking and Finance Journal JURNAL AKUNTANSI, EKONOMI dan MANAJEMEN BISNIS Syi'ar Iqtishadi JURNAL ILMIAH MAHASISWA AGROINFO GALUH International Journal of Science, Engineering and Information Technology Edu Consilium : Jurnal Bimbingan dan Konseling Pendidikan Islam International Conference on Islamic Economic Sharia Economic and Management Business Journal (SEMBJ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Maps (Manajemen Perbankan Syariah) Krigan: Journal of Management and Sharia Business Ta'amul: Journal of Islamic Economics Journal of Islamic economics Perspectives (JIEP) BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Indonesian Journal of Taxation and Accounting
Umam, Khotibul
Dosen FEBI IAIN Madura
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Mechanical Engineering Social Sciences Other

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Determinants of Generation Z’s Interest in Using BYOND by BSI: An Empirical Study: Faktor-Faktor yang Mempengaruhi Minat Generasi Z dalam Menggunakan BYOND by BSI: Studi Empiris Nadya Apriza Azizi; Khotibul Umam; Fadllan Fadllan
Perisai : Islamic Banking and Finance Journal Vol. 9 No. 2 (2025): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v9i2.1876

Abstract

This study aims to analyze the factors influencing Generation Z’s interest in using BYOND for BSI digital banking services, selecting ease of use, security, and service features as independent variables. The researcher used a quantitative approach, conducting a purposive survey of 120 BSI customers in Pamekasan. Data analysis used SPSS version 24 to test validity and reliability, assess classical assumptions, perform multiple linear regression, and test hypotheses. The results showed that ease of use and security had a positive, significant effect on Generation Z’s interest, while service features had no significant partial effect. The regression model explains a significant amount of variation in interest. Theoretically, this study integrates the UTAUT and TAM models in Islamic digital banking for Generation Z, highlighting service features as minimum expectations. The practical implications recommend that BSI improve its UI/UX, security, and innovative features. The limitations of this study include its local scope and low R-squared, and it offers suggestions for broader follow-up research.
Co-Authors Ach. Sudis Alwi Alkauzer Alkauzer Anisa Fitria Cindi Anitia Prastika Cut Linda Marheni Fadllan Fadllan Fahrurrozi Fahrurrozi Farid Firmansyah Fatati Nuryana Halimi Husayn Istiq Lailiyah Khoirun Nisa’ Lukmanul Hakim Miftahul Ulum Mohammad Zainuri Musyfiqur Rahman Nadya Apriza Azizi Nadya Apriza Azizi Nadya Apriza Azizi Faruq Naili Zulfa Hidayati Naili Zulfa Hidayati Hidayati Nayliyatul Cholishoh Nur Tilawatil Quran Sakinah Sakinah Siti Khotijah Syahda Adita Try Itsnawati Ulfatul Hasanah Umarul Faruq Umarul Faruq Umarul Faruq Yudha Dwi Putra Negara, Yudha Yunadi Yunadi Zainal Abidin