<![CDATA[Digital technology has transformed banking services, including Islamic banking applications. This study examines the effects of service quality, financial literacy, and sharia compliance on students’ loyalty in using BYOND by BSI. The study employed a quantitative causal-associative survey involving 322 students of the Faculty of Islamic Economics and Business, State Islamic University of Madura, selected through purposive sampling. Data were collected using a five-point Likert questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The results show that service quality has a positive and significant effect on student loyalty (β = 0.322; t = 2.274; p = 0.023), while financial literacy (β = 0.017; p = 0.547) and sharia compliance (β = 0.024; p = 0.348) have no significant effects. Together, the three variables explain 42.1% of the variance in student loyalty. These findings indicate that service quality plays an important role in strengthening students’ loyalty to BYOND by BSI.]]>
Copyrights © 2026
