PENGARUH LITERASI KEUANGAN SYARIAH DAN LAYANAN DIGITAL M-BANKING BYOND BSI TERHADAP INVESTASI GEN Z - Rahmi, Aprilia Rahmi; Pratami, Arifa; Alawiyah, Tuti (JSAP : Journal Syariah and Accounting Public, 2025)
Abstract:This study aims to analyze the influence of Islamic financial literacy and BYOND Bank Syariah Indonesia's M-Banking digital service on investment decisions among Generation Z in Medan. The background of this study is based on the importance of understanding Islamic finance among the younger generation and the rapid development of digital banking services in supporting investment decisions based on Islamic principles. The research method used was quantitative. Data analysis was conducted using multiple linear regression analysis using IBM SPSS. The results show that Islamic financial literacy has a positive and significant effect on investment decisions among Generation Z, and that BYOND Bank Syariah Indonesia's M-Banking digital service has a positive and significant effect on investment decisions. Simultaneously, both independent variables significantly influence investment decisions among Generation Z.Keywords: Islamic Financial Literacy, Digital Services, M-Banking, Investment Decisions, Generation ZAbstrak:                   Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan syariah dan layanan digital M-Banking BYOND Bank Syariah Indonesia terhadap keputusan berinvestasi generasi Z di Kota Medan. Latar belakang penelitian ini didasarkan pada pentingnya pemahaman keuangan syariah di kalangan generasi muda serta perkembangan layanan perbankan digital yang semakin pesat dalam mendukung keputusan investasi berbasis prinsip Islam.Metode penelitian yang digunakan adalah kuantitatif. Analisis data dilakukan dengan menggunakan analisis regresi linier berganda melalui aplikasi IBM SPSS. Hasil penelitian menunjukkan bahwa literasi keuangan syariah berpengaruh positif dan signifikan terhadap keputusan berinvestasi generasi Z, demikian pula layanan digital M-Banking BYOND Bank Syariah Indonesia memiliki pengaruh positif dan signifikan terhadap keputusan investasi. Secara simultan, kedua variabel independen tersebut berpengaruh signifikan terhadap keputusan berinvestasi generasi Z.Kata Kunci: Literasi Keuangan Syariah, Layanan Digital, M-Banking, Keputusan Investasi, Generasi Z