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All Journal JAM : Jurnal Aplikasi Manajemen Jurnal Minds: Manajemen Ide dan Inspirasi Jurnal SOLMA PACTUM LAW JOURNAL Jurnal Muara Sains, Teknologi, Kedokteran dan Ilmu Kesehatan KREATIF : Jurnal Ilmiah Prodi Manajemen Universitas Pamulang EKONOMI BISNIS Abdimasku : Jurnal Pengabdian Masyarakat Inobis: Jurnal Inovasi Bisnis dan Manajemen Indonesia Jurnal ABDIMAS (Pengabdian kepada Masyarakat) UBJ Jurnal Ekonomi Syariah Pelita Bangsa Journal for Lesson and Learning Studies Jurnal Bisnis dan Manajemen (JBM) International Journal of Education and Social Science (IJESS) Journal of Educational Research (JER) Innovative: Journal Of Social Science Research Mutiara: Multidiciplinary Scientifict Journal EKOBIMA Ekonomi Bisnis dan Manajemen
Ria Kurniawati
Fakultas Sains da Teknologi Universitas Islam Negeri (UIN) Sultan Syarif Kasim Riau
Religion Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Mechanical Engineering Public Health Social Sciences Other

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The Role of Social Influence and Facilitating Conditions in the Adoption of Digital Banking Services among Generation Z in Indonesia Kurniawati, Ria; Zakaria, Adam; Fauzi, Achmad
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 13 No 1 (2026): June
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v13i1.63873

Abstract

Indonesia’s population is dominated by Generation Z, making this cohort strategic for the development of digital Islamic banking services. This study aims to examine the effects of social influence and facilitating conditions on the intention to use digital Islamic banking services among Generation Z in Tangerang City and Regency. Using a quantitative comparative approach, data were collected from 247 respondents selected through purposive sampling. The analysis was conducted using PLS-SEM. The results indicate that social influence and facilitating conditions have a significant effect on behavioral intention, which subsequently influences actual use behavior. Moreover, notable regional differences were identified between urban and rural areas. By incorporating the maqasid al-shariah perspective, this study emphasizes ethical values such as trust (amanah), cooperation (ta’awun), and ease (taysir) in enhancing technology acceptance. These findings contribute to the Islamic fintech literature by providing comparative insights into Gen Z digital Islamic banking adoption in Indonesia.
Co-Authors Achmad Fauzi Achmad, L.I Agustiani, Putri Indah Anggoro, Vieri Anggraeni, Gita Anggraini Sukmawati Anggun Fitrian Isnawati Atrisia, Marchela Indah Badarussyamsi, Badarussyamsi Dadan Suhendar, Asep Dongoran, Parlindungan Fauzana, Shahwa Halisa, Novia Nour Hani Hasanah Hudaya Latuconsina Ivangga, Pyalda Monic Khusaini, - Khusaini, Khusaini Maharani, Riska Ayu Mamok Suprapto Masruri Masruri Matturungan, Nur Hasbullah Nunung Rodliyah Nur ‘Azah Riski Eko Ardianto Rudi Kurniawan Rusbiansyah Perdana Kusuma Sapto Irawan Selvia Oktaviana, Selvia Siti Humairoh, Siti Susiswo Sutarjo Syafi’i, Syafi’i Syamsul Hadi Syukri SS, Ahmad Taufik, Ruhiyat Widyatama, Krista Zakaria, Adam