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All Journal Binus Business Review Asia-Pacific Management and Business Application International Research Journal of Business Studies (E-Journal) JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) SEIKO : Journal of Management & Business YUME : Journal of Management Journal of Humanities and Social Studies Jurnal Ekuilnomi Sinar Sang Surya: Jurnal Pusat Pengabdian kepada Masyarakat JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (JHSSB) Jurnal Perspektif Pembiayaan dan Pembangunan Daerah International Journal of Accounting & Finance in Asia Pasific eProceedings of Management JURNAL PENGABDIAN MASYARAKAT AKADEMISI Jurnal Akademik Pengabdian Masyarakat Paradigma Mandiri : Jurnal Pengabdian Kepada Masyarakat International Research Journal of Business Studies Society
Sita Deliyana Firmialy
Universitas Telkom
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Journal : Society

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Kualitas Layanan Fintech dan Literasi Investasi: Dampaknya terhadap Keberlanjutan Perbankan melalui Niat untuk Terus Menggunakan Aplikasi Seluler Bank Regional Fazreen, Adinda; Firmialy, Sita Deliyana
Society Vol 13 No 2 (2025): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v13i2.869

Abstract

The development of digital technology in the banking sector has driven significant transformation, including in mobile banking services. West Java Regional Banks, a regional development bank, has responded to this trend by launching the Mobileby Bank BJB application. This study examines how Fintech Service Quality and Sustainable Investment Literacy influence Bank Sustainable Performance and the mediating role of Continuance Intention in this relationship. The research is motivated by the gap between user expectations, the quality of services received, and the generally low level of user understanding regarding sustainability concepts, particularly in sustainable investment literacy. Using a quantitative approach and data analysis through questionnaire distribution, this study is expected to provide a clearer picture of the importance of improving digital service quality and sustainability literacy education in supporting the performance of digital banking. The findings are anticipated to offer strategic input for the development of Digi by Bank West Java Regional Bank in Indonesia and digital banking services in general, to be more competitive and aligned with user needs in the digital era.
Literasi Investasi Syariah, Religiusitas, dan Profil Risiko dalam Membentuk Keputusan Investasi pada Platform Bibit: Peran Moderasi Gender Salsabilla, Zida Naela; Firmialy, Sita Deliyana
Society Vol 13 No 2 (2025): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v13i2.870

Abstract

This study investigates the impact of Sharia investment literacy, religiosity, and risk profile on investment decision-making among users of the Bibit platform, with gender serving as a moderating variable. Although financial technology usage has surged among Millennials and Generation Z, participation in Sharia-compliant investments remains relatively low. This gap may be attributed to limited Sharia investment literacy, varying degrees of religiosity, and diverse individual risk profiles. Using a quantitative approach, data were collected from 221 Muslim investors on the Bibit platform via an online survey and analyzed using Structural Equation Modeling (SEM). The results indicate that both Sharia investment literacy and religiosity significantly and positively influence investment decisions, whereas risk profile shows no significant effect. Additionally, gender moderates the relationship between religiosity and investment decisions, but does not moderate the effects of Sharia investment literacy or risk profile. These findings offer valuable insights for financial platform developers and policymakers seeking to enhance Sharia investment engagement through targeted literacy programs and inclusive, gender-sensitive strategies for younger demographics.
Co-Authors Agus Maolana Hidayat Akhmad Yunani Akram, Putra Tri Alviera Putri Amelia, Intan Annisa Salsabilla Azhar, Eva Nuurul Budi Rustandi Kartawinata Cahyaningsih Cahyaningsih Ceuceu Diana Putri Darnaufal, Mochamad Dematria Pringgabayu Dewi Aprilia Elza Maharani Albama Eva Nuurul Azhar Fazreen, Adinda Gede Wira Wasistha Hanung Tyas Saksono I Nyoman Bontot Ismaya Adriyanti Kausar Fattah Akhsan Kurnia, Najwan Fakhrin Maulana, Eza Rivaldy Mochamad Zidan Pamungkas Muhamad Hozali Mutiara Shofrina Neya Maulia Armatya Nursafarina, Aulia Pamungkas, Mochamad Zidan Putra Tri Akram Putri Amalia Putri Amalia Putri Dwi Rusliani Rafly Bintang Pramudya Reshinta Indah Syafiera Riza Andrian Septian Riza Andrian Septiani Salsabilla, Zida Naela Sanoyo, Ario Menak Selma Willany Telaumbanua Sherly Artadhita Sherly Artadita Sudarso Kaderi Wiryono Taufiq, Hilmawan Tifanisyaffa, Azelika Yogi Suprayogi Sugandi Yulia Nur Hasanah Yunieta Anny Nainggolan Zidane, Muhammad zuari, irsal