Pengaruh Literasi Keuangan Syariah, Persepsi Kemudahan, Persepsi Kegunaan, Fitur Layanan dan Keamanan Terhadap Minat Menggunakan E-Money Linkaja Syariah (Studi Kasus pada Generasi Z di Kota Serang)

Authors

  • Bahtiar Universitas Sultan Ageng Tirtayasa
  • Moh Mukhsin Universitas Sultan Ageng Tirtayasa
  • Isti Nuzulul Atiah Universitas Sultan Ageng Tirtayasa

DOI:

https://doi.org/10.30651/jms.v10i3.27036

Abstract

This research aims to analyze the influence of sharia financial literacy, perceived convenience, perceived usefulness, service features and security on interest in using LinkAja Syariah e-money among generation Z in Serang City. This research uses a quantitative approach with associative methods. Primary data was collected through questionnaires distributed to 290 generation Z respondents using cluster sampling techniques. Partial test results show that sharia financial literacy, perceived convenience, perceived usefulness, and service features have a positive and significant effect on interest in using LinkAja Syariah e-money. However, the security variable has no significant effect. Simultaneous test results state that all variables together have a significant effect on interest in use. These findings reinforce the importance of sharia literacy and perceived ease of technology in encouraging the adoption of e-money based on sharia principles.

 

Keyword: E-Money, Interest in Using, LinkAja Syariah, Perception of Convenience, Perception of Usefulness, Security, Service Features, Sharia Financial Literacy

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Published

2025-07-03

How to Cite

Bahtiar, Mukhsin, M., & Atiah, I. N. (2025). Pengaruh Literasi Keuangan Syariah, Persepsi Kemudahan, Persepsi Kegunaan, Fitur Layanan dan Keamanan Terhadap Minat Menggunakan E-Money Linkaja Syariah (Studi Kasus pada Generasi Z di Kota Serang). Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 10(3). https://doi.org/10.30651/jms.v10i3.27036

Issue

Vol. 10 No. 3 (2025)

Section

Artikel

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