Pengaruh Literasi Keuangan Syariah, Religiusitas, Inklusi Keuangan Syariah, Layanan Digital M-Banking

This study aims to find out how Islamic financial literacy, religiosity, Islamic financial inclusion, and digital m-banking services affect Generation Z's savings decisions at Bank Syariah Indonesia (BSI) in Bandar Lampung from 2020 to 2024. Generation Z, which is made up of people born between 1997 and 2012, is considered to be a more religious and technology-adaptive group. With Islamic banking becoming more popular in Indonesia, it is important to understand how people behave financially, especially when making savings decisions. To investigate the relationship between the variables of Islamic financial literacy, religiosity, Islamic financial inclusion, and digital m-banking services on savings decisions, this study uses a quantitative approach with the Structural Equation Modeling-Partial Least Square (SEM-PLS) analysis method. The sample in this study was obtained through purposive sampling technique to BSI customers aged 18–27 years who are actively using m-banking services. Data collection was carried out through a questionnaire with a Likert scale. The results of the study showed that all independent factors of Islamic Financial Literacy, Religiosity, Islamic Financial Inclusion, and M-Banking Digital Services had a positive and significant effect on saving decisions. Sharia Financial Literacy is the most dominant factor influencing saving decisions, followed by Sharia Financial Inclusion, Religiosity, and M-Banking Digital Services.