Issue

Vol. 13 No. 1 (2026): June

Date Log

Submitted
21 December 2025
Accepted
29 March 2026
Published
4 June 2026

Copyright (c) 2026 Ria Kurniawati, Adam Zakaria, Achmad Fauzi (Author)

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

The Role of Social Influence and Facilitating Conditions in the Adoption of Digital Banking Services among Generation Z in Indonesia

https://doi.org/10.24252/minds.v13i1.63873
Ria Kurniawati
Universitas Islam Syekh-Yusuf, Indonesia
Adam Zakaria
Universitas Negeri Jakarta, Indonesia
Achmad Fauzi
Universitas Negeri Jakarta, Indonesia

Corresponding Author(s) : Ria Kurniawati

[email protected]

Jurnal Minds: Manajemen Ide dan Inspirasi, Vol. 13 No. 1 (2026): June

Abstract


Indonesia’s population is dominated by Generation Z, making this cohort strategic for the development of digital Islamic banking services. This study aims to examine the effects of social influence and facilitating conditions on the intention to use digital Islamic banking services among Generation Z in Tangerang City and Regency. Using a quantitative comparative approach, data were collected from 247 respondents selected through purposive sampling. The analysis was conducted using PLS-SEM. The results indicate that social influence and facilitating conditions have a significant effect on behavioral intention, which subsequently influences actual use behavior. Moreover, notable regional differences were identified between urban and rural areas. By incorporating the maqasid al-shariah perspective, this study emphasizes ethical values such as trust (amanah), cooperation (ta’awun), and ease (taysir) in enhancing technology acceptance. These findings contribute to the Islamic fintech literature by providing comparative insights into Gen Z digital Islamic banking adoption in Indonesia.


Keywords

Behavioral Intention Digital Transformation Islamic Banking Services Social Influence Facilitating Conditions
Kurniawati, R., Zakaria, A., & Fauzi, A. (2026). The Role of Social Influence and Facilitating Conditions in the Adoption of Digital Banking Services among Generation Z in Indonesia. Jurnal Minds: Manajemen Ide Dan Inspirasi, 13(1), 301–312. https://doi.org/10.24252/minds.v13i1.63873
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Author Biographies

Adam Zakaria, Universitas Negeri Jakarta
Faculty of Economics
Achmad Fauzi, Universitas Negeri Jakarta

Faculty of Economics and Business

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