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All Journal Journal The Winners Jurnal Keperawatan dan Kesehatan Masyarakat CENDEKIA UTAMA el-Jizya: Jurnal Ekonomi Islam Jurnal Ilmiah Administrasi Publik (JI@P) MUSLIM HERITAGE: JURNAL DIALOG ISLAM DENGAN REALITAS Jurnal ORTOPEDAGOGIA Jurnal Manajemen Indonesia ADMINISTRASI PUBLIK Jurnal Basicedu Referensi : Jurnal Ilmu Manajemen dan Akuntansi Performance JCRS (Journal of Community Research and Service) JBIMA (Jurnal Bisnis dan Manajemen) Jurnal E-Bis: Ekonomi Bisnis Jurnal Manajemen Bisnis Al-Mal:Jurnal Akuntansi dan Keuangan Islam Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Indonesian Journal of Islamic Business and Economics (IJIBE) Mabsya : Jurnal Manajemen Bisnis Syariah Journal Mathematics Education Sigma [JMES] Didaktika Disclosure: Journal of Accounting and Finance Journal of Management and Islamic Finance JAMAIKA: Jurnal Abdi Masyarakat Jurnal Ekonomi, Bisnis dan Manajemen Jurnal Basicedu Innovative: Journal Of Social Science Research DINAMIKA: Jurnal Manajemen Akuntansi, Bisnis dan Kewirausahaan Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Muslim Heritage INASJIF Miftah Jurnal Sains Student Research Jurnal Pajak dan Analisis Ekonomi Syariah Jurnal Ekonomi, Akuntansi dan Perpajakan Annusfy
Sulasih Sulasih
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Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Nursing Public Health Social Sciences Other

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Identifikasi Faktor Yang Mempengaruhi Keputusan Penggunaan Bank Digital Generasi Z Di Purwokerto Sulasih, Sulasih; Kurnia, Maulidha Tri; Afifah, Yans Nur
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 4 No. 1 (2026): April 2026
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/m9wcwz44

Abstract

The study aims to examine the influence of three independent variables: digital literacy, brand image, and promotion on the decision to use Superbank. This study uses a quantitative approach with a survey method through a questionnaire distributed to 385 Generation Z respondents who are superbank users in Purwokerto. The sampling technique used purposive sampling with criteria such as age and use of superbank. Data were analyzed using classical assumption tests and multiple linear regression using SPSS version 26. The results showed that all three variables simultaneously had a significant effect on the decision to use. Partially, digital literacy and promotion had a positive and significant effect. Meanwhile, brand image did not have a significant effect. The insignificance of brand image is because superbanks are still relatively new and do not have strong differentiation. This generation is more driven by direct experience and practical value offered through promotions or service features, rather than solely brand image.
Co-Authors Afifah, Yans Nur Agus Suroso Ahmad Suriansyah Aizza, Dianatul Anggita Syafni Aulia Anisatul Amalia Anjani, Wiwin Asky Humeriatunnisa Aslamiah Aslamiah Darmawati Darmawati Darmawati Darmawati Debby Laura Sendy Desi Dwi Ruswanti Diah Setyorini Gunawan Dian Fatimah Azzahra Ega Fransiska Endang Pudjiastuti Sartinah Findianingnsih, Arisa Findianingsih, Arisa Firmansyah, Dani Handini, Oktiana Hartotok, Hartotok Humamul Hakim Icuk Rangga Bawono, Icuk Rangga Intansari, Anggita Isty Ismiati Ismiati Isnaeni, Resti Ita Solihatun Jajang Jajang Jamal Abdul Aziz Kamsiah Kamsiah Khairunnisa Dwinalida Kurnia, Maulidha Tri Lutfi, Nur Aini Dian M. Irwan Farouki Maamor , Selamah Maamor, Selamah Maryani, Sri Maula, Muhammad Ihza Maulana, Mohamad Riski Maulida, Indah Ilma Mukarromah, Laili Murdjoko, Murdjoko Mustaghfiroh, Lailatul Neli Nurul Azizah Niken Melani Nindita Septiana Putri Nisa Aulia , Risma Novika Nur Fitriana Nur Najiba Sukmawati Oktiana, Rima Dwi Pandu Kurniawan Pari Purnaningsih Parno Parno Pratiwi, Rizka Sobriyani Purnaningsih, Pari Puspitarini Wahyuningtyas , Ida Rahman, Ifa Hanifa Resti Isnaeni Rifda Naufalin Rohiwan, Sidik Salsabilla, Ashifa Isnaeni Sarpini Sarpini Setianingsih, Dias Setyanto, Refius Pradipta Sidik Rohiwan SUKMAWATI, NUR NAJIBAH Suliyanto . Suliyanto Suliyanto Sutriawati Sutriawati Trianingsih, Ade Ulya, Rifqo Yatul Unfah Ziyan Zuhwa Wagino Wahyuningtyas, Ida Puspitarini Weni Novandari Weni Novandari Yennie Juhar Latifah Yoiz Shofwa Shafrani, Yoiz Shofwa