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Wartoyo Wartoyo
(Scopus ID 59361997400) UIN Siber Syekh Nurjati Cirebon
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Journal : MALIA

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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 AA Sudharmawan, AA Abdul Aziz Abdul Ghoni Abdul Ghoni Abdul Rosyid Abdul Wadud Kasyful Anwar, Abdul Muiz Ainun, Ayi Siti Ali Arifin Alvien Septian Haerisma Amalia Habibah, Sabrina Amalia, Tia Anita Trisiana Anita Trisiana, Anita Anton Sudrajat Anwar, Abdul Muiz Abdul Wadud Kasyful Apriliyani, Feni Arya Kemuning Asieh, Ikeu Triana Yulie Awaliya Rahma, Tiara Ayus ahmad Yusuf Ayus Ahmad Yusuf Bahjatulloh, Qi Mangku Bakhri, Syaeful Catur Wahyudi, Catur Chairunnisa Chairunnisa David Viansyah Diana Djuwita, Diana Fadilah, Dimas Fajriyatin, Fajriyatin Farrakhan, Soulthan Akbar Fatinah, Lulu Fauzan Feri Hardiyanto Fitria Eka Permata Hafif, Alimul Halla Novitasari Hamdalah, Nurul Hanami, Azzahra Septia Haqqiquddin Rokhmatulloh, Muhammad Raisa Hendra Yulia Rahman, Hendra Yulia Heru Cahyono Inarawi, Wiwi Iqbal, Moh Irsad Irsad, Irsad Iskandar zulkarnaen, Mohamad Jakaria, Dandy Jannah, Isroqtul Kholis, Nur Komalasari, Asni Kusumadewi, Rita Layaman Layaman Layaman Layaman Layaman Layaman, Layaman Lisa Pratiwi Listriyani, Futri Lutfiyanti, Lutfiyanti Makmuri Ahdi Maulidina, Devrina Meilinda, Shinta Melandari, Esta Meutia, Nova Gina Mohammad Subkhan Mujab, Solikhul Mulsim, Muhammad Irfai Muztahidin, Muhamad Nabila, Putri Nila Ernila NINING WAHYUNINGSIH Nova Gina Meutia Noval Kurnia Novi Nur Azizah Novitasari, Halla Nur Eka Setiowati, Nur Eka Nur Fithriya, Milla Nur Haida Nur Haida Nur Haida, Nur Nurrohmah, Faiza Intan Nursusilo Wati, Shinta Julia NURUL WULANDARI Pelitawati, Eva Purwati, Poni Qi Mangku Bahjatulloh Rokhmat Subagiyo, Rokhmat Rosviana, Mohammad Irfan Saefulloh, Eef Sari, Ama Farida Septian Haerisma, Alvien Sherly Nur Jamila Soviana, Dina Sri Rokhlinasari, Sri Sukarnoto, Toto Syam, Nur Umam, Muhammad Khairul Usman Usman Usman Usman Whardana, Karisma Kusuma Widagdo, Ridwan Wihan Aria Tinandi Wiyani, Silva Zaizafun, Alya Fauzi