<![CDATA[General Background: The rapid expansion of Islamic financial institutions necessitates deeper understanding of how youth perceive and engage with them. Specific Background: High school students, as future economic agents, form an important demographic whose saving behavior can reflect the success of Islamic banking outreach. Knowledge Gap: Despite growing access to Islamic banking, limited studies address the combined influence of perception and financial literacy on students' saving decisions. Aims: This study aims to analyze how perceptions of Islamic banking and financial literacy affect saving decisions among students of Jabal Noor IT High School in relation to Bank Syariah Indonesia (BSI). Results: Using a quantitative method and survey data from 79 students, regression analysis revealed that both perception of Islamic banking (t=4.621) and financial literacy (t=7.530) have a positive and statistically significant effect (p=0.000) on students’ saving decisions. Novelty: The study uniquely focuses on the dual impact of cognitive and attitudinal variables in a high school Islamic context, offering early insights into youth engagement with Sharia-compliant finance. Implications: Findings highlight the importance of fostering positive perceptions and improving financial literacy to enhance saving behavior among young consumers in Islamic banking environments. Highlights: Highlights the significant role of Islamic banking perception in influencing youth saving behavior. Emphasizes financial literacy as a key driver of informed financial decisions. Provides early insights into student engagement with Sharia-compliant banking. Keywords: Islamic Banking, Financial Literacy, Saving Decisions, Student Perceptions, Bank Syariah Indonesia]]>
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