<![CDATA[This study aims to examine the influence of Islamic financial literacy and digital Islamic financial behavior on students’ intention to save in Islamic banking institutions among students in Lamongan. The research employed a quantitative approach with an associative design involving 110 active students selected through purposive sampling. Respondents were required to have knowledge of Islamic banking services and experience using digital financial instruments. Data were collected through Likert-scale questionnaires and analyzed using IBM SPSS Statistics, including validity, reliability, classical assumption, multiple linear regression, t-test, F-test, and coefficient of determination analyses. The findings indicate that Islamic financial literacy has a positive but insignificant effect on students’ saving intention, as reflected by a significance value of 0.112 (>0.05). In contrast, digital Islamic financial behavior has a positive and significant effect, with a significance value of 0.000 (<0.05) and a regression coefficient of 0.510. Simultaneously, both independent variables significantly influence saving intention, as indicated by an F-value of 119.446 (p = 0.000). The coefficient of determination (R²) of 0.691 shows that 69.1% of the variation in students’ saving intention can be explained by Islamic financial literacy and digital Islamic financial behavior. The novelty of this study lies in integrating Islamic financial literacy and digital financial behavior within a single conceptual model. The study concludes that digital financial behavior aligned with Islamic principles is the dominant factor influencing students’ intention to save in Islamic banks.]]>
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