Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah
Vol 11 No 4 (2026)

Analisis Ketertarikan Generasi Z Terhadap Perbankan Syariah di Era Digital: Studi pada BCA Syariah

Rizkiatul Mubarokah (Universitas Islam Nusantara)
Halimah Nursai'dah (Universitas Islam Nusantara)
Muhamad Rizki Nurjaman (Universitas Islam Nusantara)
Puja Nurul Fadilah (Universitas Islam Nusantara)
Siti Nurkholizah (Universitas Islam Nusantara)
Sri Suharti (Universitas Islam Nusantara)



Article Info

Publish Date
22 Aug 2026

Abstract

The rapid advancement of technology and information has driven the banking sector to continuously transform in order to maintain its business sustainability. This quantitative study aims to determine the level of Generation Z's interest in Islamic banking, particularly BCA Syariah. The study involved 115 respondents from Generation Z who actively use banking services. Primary data were collected through structured questionnaires and analyzed using descriptive analysis with the frequency distribution method. The results indicate that, in general, Generation Z's interest in BCA Syariah is relatively high, mainly driven by the ease of access and convenience offered by digital services, such as mobile banking and practical online account opening facilities. However, the study also found a moderate tendency reflected in the dominance of neutral responses. Generation Z still exhibits hesitation to fully switch to Islamic banking due to the comfort and familiarity they have experienced withconventional banks. These findings suggest that digital service innovation plays an important role in increasing Generation Z's interest in using BCA Syariah.

Copyrights © 2026






Journal Info

Abbrev

Mas

Publisher

Subject

Economics, Econometrics & Finance Social Sciences

Description

Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah (e-ISSN: 2580-5800; p-ISSN: 2527-6344) is a journal that is managed by the Islamic Banking Study Program, Muhammadiyah University of Surabaya and in collaboration with professional organizations, namely Ikatan Ahli Ekonomi Islam. This ...