ISLAMIC FINANCIAL LITERACY AND THE INCLINATION TO USE ISLAMIC BANKS AMONG GENERATION Z IN INDONESIAN ISLAMIC UNIVERSITIES

This study aims to determine how Islamic financial literacy, attitudes, and subjective norms can influence the intentions of Muslim Generation Z in Indonesia. This survey study uses 558 Muslim Generation Z respondents throughout Indonesia. Data from this study were processed using SMART-PLS 4.0. The results of this study indicate that the three factors in this study, namely Islamic financial literacy, attitudes, and subjective norms, have a positive effect on the interests of Muslim Generation Z in Indonesia. In addition, this study also provides results that indicate that Islamic financial literacy cannot moderate the influence of attitudes and subjective norms on the interest in using Islamic banks. The results of this research imply further research to consider other factors that can influence the intention to use Islamic banks in terms of security, benefits, risks, and others. The results of this study imply the importance of Islamic financial literacy among Generation Z who are studying at university and for university managers to strengthen Islamic financial literacy to strengthen a better Islamic financial ecosystem in Indonesia. This study offers new insights into how Islamic financial literacy, attitudes, and subjective norms can influence the intentions of Muslim Generation Z in Indonesian Islamic Universities