Gabriele Lailatul Muharromah, Mustofa Mustofa, Lilik Rahmawati


The banking industry is presently undergoing innovation by integrating cutting-edge technology to establish digital banks. A digital bank conducts its operations exclusively online through an application and typically has a central office. In Indonesia, there is a growing popularity of digital banks, with a noticeable emergence of Sharia-based digital banks. However, the progress of Islamic digital banks is comparatively slower when compared to non-Sharia counterparts. Capitalizing on the familiarity of Gen Z with technology, this study aims to explore how the variables of convenience, security, and religiosity individually and collectively influence the inclination of Generation Z in Surabaya to use Islamic digital banks. The research adopts a quantitative approach, specifically causal research, and collects data through online questionnaires distributed via Google Forms. With a sample size of 170 respondents selected through purposive sampling, the study employs SmartPLS 3 software for data processing and analysis. Findings indicate that the convenience variable positively and significantly impacts the interest in using Islamic digital banks, while the security variable also exerts a positive and significant influence. However, the religiosity variable does not show a significant effect on the interest in using Islamic digital banks. When considered together, convenience, security, and religiosity collectively influence the interest in using Islamic digital banks.


Convenience, Security, Religiosity, Sharia Digital Bank

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