| Issue |
SHS Web Conf.
Volume 217, 2025
1st UNSIQ International Symposium on Economics and Business “SMEs’ Competitive Advantage: Digital Technology and Internationalization” (UISEB 2024)
|
|
|---|---|---|
| Article Number | 01003 | |
| Number of page(s) | 18 | |
| Section | Accounting and Financial Management in the Digital Era | |
| DOI | https://doi.org/10.1051/shsconf/202521701003 | |
| Published online | 26 May 2025 | |
Exploring Gen Z’s Interest In Islamic Banking Products: The Role Of Islamic Financial Literacy As A Mediator
1 Universitas Islam Malang, Islamic Banking Department, Malang, Indonesia
2 Universitas Islam Malang, Accounting Department, Malang, Indonesia
* 22001083052@unisma.ac.id
** dianaadhikara@unisma.ac.id
*** Corresponding Author: harunalrasyid@unisma.ac.id
**** afifudin26@gmail.com
This study investigates the factors influencing Generation Z’s intention in Indonesia to adopt Islamic banking products, focusing on awareness, social influence, perceived ease of use, and Islamic financial literacy. Despite the rapid growth of Islamic banking globally and in Indonesia, a significant gap persists between conventional and Islamic banking adoption rates. The study gathered data from 230 participants aged between 17 and 27 years, which was subsequently analyzed utilizing Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that social influence and perceived ease of use significantly and positively impact the intention to utilize Islamic banking products. Conversely, awareness does not have a notable effect on this intention, and Islamic financial literacy does not serve as a mediator in the relationships between awareness, social influence, or perceived ease of use and the intention to adopt Islamic banking. These findings emphasize the critical importance of social influence and ease of use while highlighting the necessity for improved awareness campaigns and financial literacy initiatives. Strengthened strategies in these areas could address existing gaps and foster increased adoption of Islamic banking products among Generation Z.
Key words: Islamic Banking / Generation Z / Islamic Financial Literacy / Social Influence / Intention to Use
© The Authors, published by EDP Sciences, 2025
This is an Open Access article distributed under the terms of the Creative Commons Attribution License 4.0, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
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