Determinants of Generation Z Interest in Using Digital Banking Services: Evidence from PT Bank Syariah Indonesia

Syifa Khoerunnisa (Universitas Islam Nusantara)
Hasna Tsamratul Fuadah (Universitas Islam Nusantara)
Widiya Ayatul Husna (Universitas Islam Nusantara)
Intan Nurbaeti (Universitas Islam Nusantara)
Najihan Audia Munadi (Universitas Islam Nusantara)
Sri Suharti (Universitas Islam Nusantara)

Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah
Vol 11 No 3 (2026)

This study evaluates factors influencing Generation Z's interest in using digital banking services at PT Bank Syariah Indonesia (BSI), using a descriptive quantitative approach with questionnaire data from Generation Z in East Bandung. Results show some respondents chose BSI for its ease of transactions and sharia compliance, while others preferred competitors for more complete features, free transfers, and lower fees. The six main factors driving Generation Z's interest in BSI are: 1. Ease of use 2. Security 3. Service features 4. Perceived benefits 5. Financial literacy 6. Trust. Understanding Gen Z' interest in BSI is an important reference for the bank in designing effective digital strategies. Therefore, BSI must continuously improve its digital service quality, feature innovation, and sharia education to attract Gen Z.