Gen Z's intention to sharia banking: The role of financial literacy, religiosity, and demographics

Istianah, Nur, Rahayu, Yayuk Sri ORCID: https://orcid.org/0000-0001-6315-7943 and Hasibuan, Lempang (2025) Gen Z's intention to sharia banking: The role of financial literacy, religiosity, and demographics. Presented at The 11th International Conference of Islamic Economics and Business (ICONIES 2025), 16 Oktober 2025, Universitas Islam Negeri Maulana Malik Ibrahim.

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Abstract

The Islamic banking sector in Malang City shows strong growth potential due to its large youth population. However, Generation Z’s adoption remains low, influenced by financial literacy, religiosity, and demographic factors. This study examines how these variables affect Generation Z’s interest in Islamic banking, using a survey of 204 respondents and multiple linear regression analysis in SPSS 26. Results reveal that financial literacy, religiosity, and demographics positively influence interest, offering insights for banks to develop youth-focused marketing strategies

Item Type:	Conference (Paper)
Keywords:	interest; sharia financial literacy; religiosity; characteristics; demographics; sharia banks
Subjects:	15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1505 Marketing
Divisions:	Faculty of Economics > Department of Islamic Banking
Depositing User:	Yayuk Sri Rahayu
Date Deposited:	07 Apr 2026 15:54

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