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The Role of Attitude in Mediating Gen Z’s Intention in Use of Digital Sharia Banking Wartoyo, Wartoyo; Sudrajat, Anton; Wiyani, Silva; Subagiyo, Rokhmat; Haqqiquddin Rokhmatulloh, Muhammad Raisa; Fauzan
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i2.6249

Abstract

Introduction: Dynamic technological developments make a significant contribution to human life. In the banking world, one of the technological developments that has changed the way of transactions is the emergence of payment instruments known as digital banking. Therefore, this research aims to determine the effect of convenience and usefulness on interest in using digital banking with attitude as an intervention variable for Gen Z in Cirebon Regency. Method: The research uses a quantitative approach with the type of non-parametric data. The sampling technique used random sampling with a number of samples are 100 respondents. The data analysis technique uses Structural Equation Modeling (SEM) with the tool is SEM-PLS. Result: The results of the first test show that the Convenience and Usefulness has a significant effect on attitudes to use digital banking. Likewise in the second test show the Convenience, Benefit and Attitude has a significant effect on interest in using digital banking. Whereas the result of mediating test show that the Attitudes have a significant influence as an intervening variable between ease and interest in using digital banking, also has a significant effect as an intervening variable between ease and interest in using digital banking. Conclusion & Suggestion: The findings of this study show that the main factor that attracts Gen Z in using Digital Banking is the ease of use factor, therefore banks must always pay attention to the user interface (UI) and user experience (UX) of their applications. The intuitive design and easy transaction process will be very attractive to Gen Z. In addition to convenience, the benefits offered also need to be more concrete and relevant to the needs of Gen Z. Knowing that attitudes have a very important role in influencing interest, digital banks can build campaigns that focus not only on features and benefits, but also on forming a positive perception of digital banking.
Co-Authors Aan Djaelani Aan Jaelani Aan Jaelani Aan Jailani Abdul Aziz Abdul Aziz Abdul Aziz Abdul Aziz Abdul Aziz Abdul Ghoni Abdul Rosyid Abdul Wadud Kasyful Anwar, Abdul Muiz Aep Syaeful Millah Ainun, Ayi Siti Ali Arifin Alvien Septian Haerisma Alya Fauzi Zaizafun Amalia Habibah, Sabrina Amalia, Tia Anggara Disuma Anton Bawono Anton Sudrajat Anwar, Abdul Muiz Abdul Wadud Kasyful Apriliyani, Feni Aris Budiman Arya Kemuning Asni Komalasari Awaliya Rahma, Tiara Ayu Gumilang Lestari Ayus Ahmad Yusuf Azizan Sentosah Hutabarat Azzahra Septia Hanami Bahjatulloh, Qi Mangku Catur Wahyudi, Catur Chairunnisa Chairunnisa David Viansyah Dewi Fatmasari, Dini Widyaningsih Diana Djuwita Diana Djuwita, Diana Didi Sukardi Dwi Safitri Esta Melandari Eva Pelitawati Fadilah, Dimas Fajriyatin, Fajriyatin Faridah Irmayanthy Farrakhan, Soulthan Akbar Fatinah, Lulu Fauzan Febri Delmi Yetti Febri Delmi Yetti Feni Apriliyani Feri Hardiyanto Fitria Eka Permata Fitria Nurul Hidayah Hafif, Alimul Halla Novitasari Hamdalah, Nurul Hanami, Azzahra Septia Haqqiquddin Rokhmatulloh, Muhammad Raisa Hendra Yulia Rahman Heru Cahyono Hikam Muhtadi Zuhdi Hikam Muhtadi Zuhdi Ikeu Triana Yulie Asieh Inarawi, Wiwi Iqbal Noor Iqbal, Moh Irsad Irsad Irsad Iskandar zulkarnaen, Mohamad Istighfarah, Istighfarah Jakaria, Dandy Jannah, Isroqtul Joni Karisma Kusuma Whardana Kusumadewi, Rita Layaman Layaman, Layaman Lisa Pratiwi Listriyani, Futri Lukman Lutfiyanti, Lutfiyanti Ma'mur Munjat Makmuri Ahdi Makmuri Ahdi Maulidina, Devrina Meilinda, Shinta Melandari, Esta Meutia, Nova Gina Milatul Wahdah Mohamad Ghozali Mohammad Subkhan Mubarok Fatahillah Muhamad Muztahidin Muhamad Saechu Muhammad Irfai Mulsim Muhammad Khairul Umam Mulsim, Muhammad Irfai Mutadi Mutadi Muztahidin, Muhamad Nabila, Putri Nabilah Fiana Putri Nila Ernila NINING WAHYUNINGSIH Nova Gina Meutia Noval Kurnia Novi Nur Azizah Novitasari, Halla Nur Eka Setiowati, Nur Eka Nur Eka Setiyowati Nur Eka Setyowati Nur Fithriya, Milla Nur Haida Nur Haida Nur Haida Nur Haida Nur Haida, Nur Nur Kholis Nur Syam NURUL WULANDARI Pelitawati, Eva Poni Purwati Purwati, Poni Qi Mangku Bahjatulloh Raihan Yahya Ismail Reisya Zahra Munichlakhofa Ridwan Widagdo Rifqi Muthoharul Janan Rismaya, Erin Rochanda Wiradinata Rokhmat Subagiyo Rosdita Indah Yuniawati Rosviana, Mohammad Irfan Saefulloh , Eef Saefulloh, Eef Sherly Nur Jamila Shinta Julia Nursusilo Wati Shinta Meilinda Sigit Nurhendi Silviya Maharani Solikhul Mujab Soulthan Akbar Farrakhan Soviana, Dina Sri Rokhlina Sari Sri Rokhlina Sari Sri Rokhlinasari Sukarnoto, Toto Syaeful Bakhri Ulfain Usman Usman Usman Usman Wiyani, Silva Yeni Nurkhasanah Yetti, Febri Delmi Zaizafun, Alya Fauzi