DETERMINAN MINAT MASYARAKAT MENGGUNAKAN PEMBAYARAN DIGITAL BERBASIS PRINSIP SYARIAH

Abstract

Digital transformation has created increasing opportunities for Generation Z to access financial services based on Islamic principles. However, increased digital access has not always been accompanied by adequate understanding and utilization of Islamic financial services. This study aims to analyze the effects of Islamic financial literacy, religiosity, and digitalization on Islamic financial inclusion among Generation Z. The study employed a quantitative approach using a survey of 150 respondents selected through purposive sampling. Data were analyzed using multiple linear regression. The results show that Islamic financial literacy has a positive and significant effect on Islamic financial inclusion, with a regression coefficient of 0.287 (sig. 0.000). Religiosity also has a positive and significant effect, with a coefficient of 0.231 (sig. 0.002), while digitalization has a positive and significant effect, with a coefficient of 0.396 (sig. 0.000), making it the strongest predictor in the model. Simultaneously, the three variables significantly affect Islamic financial inclusion. The R² value of 54.5% indicates that the three variables explain 54.5% of the variation in Islamic financial inclusion. These findings highlight the importance of integrating financial literacy, religious values, and digital innovation to expand Islamic financial inclusion among Generation Z.