JURNAL ESA
Vol 8 No 1 (2026): FEBRUARI

PENGARUH LITERASI KEUANGAN SYARIAH, RELIGIUSITAS, DAN DIGITAL BANKING TERHADAP MINAT MENGGUNAKAN BANK SYARIAH DI BANK SYARIAH INDONESIA CABANG LUMAJANG: ANALISIS SEM-PLS PADA GENERASI MILENIAL

Muhammad Ichwanus Surur (Unknown)
Andila Ramadani (Unknown)



Article Info

Publish Date
28 Feb 2026

Abstract

AbstractThis study examines the influence of Islamic financial literacy, religiosity, and digital banking on millennials’ intention to use Islamic banking services. Despite the significant growth of Islamic banking in Indonesia, its market share remains below its potential, particularly among the millennial segment, which is characterized by strong technological adaptability. A quantitative approach was employed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Data were collected from 150 millennial respondents aged 25–40 years through a structured questionnaire. The measurement model assessment confirmed adequate convergent validity, discriminant validity, and reliability across all constructs. The structural model results indicate that Islamic financial literacy, religiosity, and digital banking positively and significantly influence the intention to use Islamic banks. The model explains 68.2% of the variance in behavioral intention (R² = 0.682). Among the predictors, digital banking emerged as the most dominant factor, highlighting the critical role of technological convenience, accessibility, and service efficiency in shaping millennials’ banking preferences. These findings suggest that strengthening digital transformation strategies, alongside enhancing Islamic financial literacy and value-based engagement, is essential for increasing Islamic banking adoption among younger generations.Keywords: Islamic financial literacy, religiosity, digital banking, PLS-SEM, millennials

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Journal Info

Abbrev

esa

Publisher

Subject

Economics, Econometrics & Finance

Description

URNAL ESA, Jurnal Kajian Ekonomi Syariah, diterbitkan oleh Program Studi : Ekonomi Syariah Sekolah Tinggi Ilmu Syariah Abu Zairi Bondowoso sebagai media pertukaran informasi dan karya ilmiah antara dosen, alumni, mahasiswa, pembaca dan pemerhati masalah Ekonomi Syariah. Dan untuk menyalurkan hasil ...