<![CDATA[This study aims to analyze the influence of religiosity, Islamic financial literacy, and accessibility on the use of Islamic financial products by millennials in Pontianak. This study employs a quantitative approach, involving 100 millennials in Pontianak as respondents. A questionnaire was used as the data collection instrument, while respondents were selected using purposive sampling and analyzed using SEM-PLS with the assistance of SmartPLS 4.0. Based on the results, the study found that religiosity has a negative but insignificant effect on the use of Islamic financial products. Conversely, Islamic financial literacy and accessibility have positive and significant effects on the use of Islamic financial products. These findings suggest that the use of Islamic financial products among millennials is more influenced by their ability to understand the principles and mechanisms of these products, as well as the ease of accessing services, rather than by religiosity. Therefore, Islamic financial institutions need to prioritize strengthening financial literacy through education on the characteristics, contracts, benefits, and mechanisms of these products, as well as improving service accessibility—particularly through digital services and the provision of easily understandable information.]]>
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