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All Journal Kompak : Jurnal Ilmiah Komputerisasi Akuntansi Laa Maisyir Jurnal Ekonomi Islam AL QUDS : Jurnal Studi Alquran dan Hadis Jurnal Sinar Manajemen Jurnal EMT KITA Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Uqud : Journal of Islamic Economics Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam JURNAL MANAJEMEN BISNIS Pena Justisia: Media Komunikasi dan Kajian Hukum Al-Kharaj: Journal of Islamic Economic and Business Rayah Al Islam : Jurnal Ilmu Islam Jurnal Manajemen Sains dan Organisasi (JMSO) International Journal of Health, Economics, and Social Sciences (IJHESS) Jurnal Ekonomi Syariah Pelita Bangsa Humantech : Jurnal Ilmiah Multidisiplin Indonesia Journal of Islamic Economic and Business Research International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Jurnal Ekonomi dan Manajemen (JEKMA) Mumtaz : Jurnal Ekonomi dan Bisnis Islam Jurnal Akuntansi, Bisnis dan Ekonomi Indonesia (JABEI) International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Moneter : Jurnal Keuangan dan Perbankan Jurnal Informasi Keagamaan, Manajemen dan Strategi Jurnal Informatika Ekonomi Bisnis Journal of Management, Economic, and Accounting Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi JEBD El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Indonesian Journal of Islamic Literature and Muslim Society Journal of Ekonomics, Finance, and Management Studies IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita JIS: Journal ISLAMIC STUDIES LITERA: Jurnal Ilmiah Multidisiplin JIEP: Jurnal Ilmu Ekonomi dan Pembangunan As-Syirkah: Islamic Economic & Financial Journal Teknofile, Jurnal Sistem Informasi Abdimas, Jurnal Pengabdian Masyarakat
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The Influence of Sharia Financial Literacy and Risk Perception on the Decision to Use Sharia Mobile Banking by Generation Z Inayah Ardiah; Marliyah; Nasution, Yenni Samri Juliati
Jurnal Manajemen Bisnis Vol. 13 No. 1 (2026): March
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33096/jmb.v13i1.1401

Abstract

This study aims to analyze the influence of Islamic financial literacy and risk perception on Generation Z's decision to use Islamic mobile banking in Indonesia. Despite offering ease of transaction and compliance with Islamic principles, the adoption rate of Islamic mobile banking among Generation Z is still relatively low. This study uses a quantitative approach with a survey method of 100 respondents aged 18–28 years who actively use Islamic mobile banking and were determined through purposive sampling techniques. Data were collected online through Google Forms and analyzed using multiple linear regression. The results show that Islamic financial literacy and risk perception simultaneously have a significant effect on Generation Z's decision to use Islamic mobile banking. These findings emphasize the importance of improving Islamic financial literacy and managing risk perception to encourage the adoption of Islamic mobile banking services.
Co-Authors Abrar, M. Farid Ade Khadijatul Z. Hrp Adha, Raju Afrizal Andri Soemitra Ari Apryansyah Arifin, Rahman atika Ayunda Khoiriyah Azhari, Dhea Maura Delima Sari Lubis Desy Desky Dharma, Budi Dorlan Habibi Egi Fadilah Saragih Endah Wahyunuing Asih Engel Natalia, Tree Esma Cetin Fitrianur Ahmad Sihombing Haeruddin Hakim Sitompul, Muhammad Halimahtussakdiyah Halimatussakdiyah Handayani, Seri Handoko, Dodi Okri Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Harry Irawan Hilmiatus Sahla Hilyati Inayah Inayah Ardiah Irawan, Harry Ismul Fakhri Lubis Isnaini Harahap Julita Julita Khairul Faiz Batubara khusnul_khotimah Kusmilawaty Laylan Syafina Lubis, Ismul Fakhri M FAUZAN M. Fauzan M.Hakim Sitompul Mailina, Rani Medeni, Desi Chintiara Muhammad Habibi Siregar Muhammad Lathief Ilhamy Nasution Muhammad Yafiz Muhammad Yafiz, Muhammad Nadia Anzani Nashwa Nabila Kasih Nur Fadhilah Ahmad Hasibuan Nurfuadi, Wika Nurhayati Nuri Aslami Nurjanah, Putria Nurlaila Nursantri Yanti Perjuangan Siregar Pradana, Wahyu Yuda Prasektiyo, Agung Prayogi Kusdino Putra, Yunanda Eka Raharti, Riana Rahman, Zikri Rahmani, Nur Ahmadi Bi Rahmat Rahmat Daim Harahap Ramil Abbasov Rizkan Polem, T. Rizky, Gustina Santi Arafah Saparuddin Siregar Saparuddin Siregar Saragih, Adeliya Sarmiana Batubara Siregar, Alfa Nadiah Sitompul, Ripa Sabila Usni Sofya A. Rasyid sri sudiarti Sugianto Sunur, Arba Syarbaini, Ahmad Muhaisin B. T. Rizkan Polem Tambunan, Khairina Tanjung, Ahmad Fuadi Tyo Azharil Fikri Wahyu Syarvina Waizul Qarni Wati, Patma Yenni Samri Juliati Nasution YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yuni Lubis, Syafrina Yusrizal Zahra, Fairuz Azzahra Irsyad Zulfahani Zulhelmy