Analisis Faktor-Faktor yang Mempengaruhi Minat Generasi Z dalam Menggunakan Layanan Digital PT Banking Bank Syariah Indonesia

Authors

  • Syifa Khoerunnisa Universitas Islam Nusantara
  • Hasna Tsamratul Fuadah Universitas Islam Nusantara
  • Widiya Ayatul Husna Universitas Islam Nusantara
  • Intan Nurbaeti Universitas Islam Nusantara
  • Najihan Audia Munadi Universitas Islam Nusantara
  • Sri Suharti Universitas Islam Nusantara

DOI:

https://doi.org/10.30651/jms.v11i4.32918

Abstract

Tujuan penelitian ini adalah untuk mengevaluasi faktor-faktor yang mempengaruhi minat Generasi Z dalam menggunakan layanan digital banking pada PT Bank Syariah Indonesia (BSI). Penelitian ini menggunakan metode kuantitatif deskriptif dengan data primer dari kuesioner, dengan populasi generasi Z di area Bandung Timur. Hasilnya menunjukkan sebagian responden memilih BSI karena memudahkan transaksi dan sesuai nilai-nilai syariah yang bebas riba, namun sebagian lainnya memilih layanan lain karena fitur lebih lengkap, transfer gratis, dan biaya administrasi lebih rendah. Faktor utama minat Generasi Z menggunakan BSI adalah: 1. Kemudahan penggunaan 2. Keamanan 3. Fitur layanan 4. Persepsi manfaat 5. Literasi keuangan 6. Kepercayaan. Mengetahui minat Gen Z terhadap BSI menjadi acuan penting bagi bank dalam merancang strategi digital yang efektif. Oleh karena itu, BSI harus terus meningkatkan kualitas layanan digital, inovasi fitur, dan edukasi prinsip syariah untuk menarik Generasi Z.

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Published

2026-08-22

How to Cite

Syifa Khoerunnisa, Hasna Tsamratul Fuadah, Widiya Ayatul Husna, Intan Nurbaeti, Najihan Audia Munadi, & Sri Suharti. (2026). Analisis Faktor-Faktor yang Mempengaruhi Minat Generasi Z dalam Menggunakan Layanan Digital PT Banking Bank Syariah Indonesia. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 11(4). https://doi.org/10.30651/jms.v11i4.32918

Issue

Vol. 11 No. 4 (2026)

Section

Artikel

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