The Influence of Islamic Financial Literacy and Religious Motives on the Decision to Become a Customer of an Islamic Bank for Generation Z in Pontianak City

Islamic banking is a type of financial services that provides banking services based on Islamic principles and values. In this study, the authors intend to conduct research again with the title Influence of Sharia Financial Literacy and Religious Motives on the Decision to Become a Customer of an Islamic Bank for Generation Z in Pontianak City. This study was conducted by collecting data from 97 respondents belonging to Generation Z with the limitation that generation Z taken as the sample of this study was born in 1997-2003. The results of the study showed that the understanding of Islamic financial literacy owned by respondents did not influence someone’s decision to a customer in an Islamic bank. It was also found that the religious motives variable has a significant effect on decision making using Islamic banking. Therefore, it can be concluded that individual decisions to choose Islamic banking are influenced by factors, including personal and psychological factors. This study implications is re-evaluated financial literacy campaigns, this study shows the importance of psychological factors and religious motivations in shaping customer decision-making in this context. Islamic banks should focus on the ethical and spiritual dimensions of their services. The study also recommends innovative approaches that integrate religious teachings and financial education to captivate Generation Z.