Pengaruh Religiusitas Dan Budaya Berbelanja Terhadap Penggunaan Mobile Bangking Bank Syariah Indonesia Sebagai Transaksi Pembayaran Online

This study aims to analyze the influence of religiosity and shopping culture on the use of Bank Syariah Indonesia (BSI) mobile bangking services in Surabaya City. Using a quantitative approach, data were collected from 127 respondents through online questionnaires. The data analysis method applied includes multiple linear regression analysis, correlation analysis, partial t-tests, simultaneous F-tests, and determination coefficient tests. The study's results indicate that religiosity significantly influences decisions to use BSI mobile bangking, aligning with the perception of worship values and the Sharia principles underlying its use. Additionally, shopping culture, particularly trends in digital consumption, also has a significant influence, although it presents risks of increasing impulsive consumer behavior. Simultaneously, religiosity and shopping culture positively contribute to decisions regarding the use of mobile bangking services. These findings provide a strategic foundation for developing innovative Sharia-based services that are relevant to the needs of modern society