Determinants of Generation Z Interest in Using Bank Jago Syariah: Financial Literacy, Brand Trust, and Price Saving Orientation

Authors

  • Alifatul Afwah Universitas Islam Negeri Walisongo, Indonesia
  • Arif Afendi Universitas Islam Negeri Walisongo, Indonesia
  • Mardhiyaturrositaningsih Mardhiyaturrositaningsih Universitas Islam Negeri Walisongo, Indonesia
  • Muhammad Rasyidin Sultan Zainal Abidin University, Malaysia

DOI:

https://doi.org/10.21580/al-arbah.2026.8.1.31524

Abstract

Purpose - This study aims to examine the effect of financial literacy, brand trust, and price-saving orientation on Generation Z’s intention to use Bank Jago Syariah in Semarang City.

Method - The research method used in this study was quantitative. Data were collected through questionnaires distributed to 100 Generation Z respondents in Semarang using purposive sampling. The data were analyzed using multiple linear regression with SPSS version 26.

Result - The results indicate that financial literacy, brand trust, and price-saving orientation have a positive and significant effect on Generation Z’s intention to use Bank Jago Syariah.

Implication - These findings suggest that digital Islamic banks need to enhance financial education, strengthen brand credibility, and provide competitive financial benefits to attract younger users.

Originality - This study contributes to the literature by examining the combined role of financial literacy, brand trust, and price-saving orientation in influencing Generation Z’s intention to use Islamic digital banking services.

Keywords: Financial Literacy, Brand Trust, Price-Saving Orientation, Intention to Use, Generation Z

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Published

2026-04-08

Issue

Vol. 8 No. 1 (2026)

Section

Articles

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Copyright (c) 2026 Alifatul Afwah, Arif Afendi, Mardhiyaturrositaningsih Mardhiyaturrositaningsih, Muhammad Rasyidin

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Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.