Pengaruh P2P Lending, Pembayaran Digital, Literasi Keuangan terhadap Minat Pembiayaan Bank Digital Syariah di Medan

The development of digital technology has driven shifts in customer behavior regarding financing decisions. Empirical phenomena indicate that the growth of fintech financing is expanding more rapidly than that of Islamic bank financing, alongside an increase in non-cash transactions and digital financial literacy that is not accompanied by a growth in the volume of Islamic financing. Therefore, this study aims to analyze the influence of Peer-to-Peer (P2P) Lending perceptions, digital payment usage, and digital financial literacy on customer decisions in choosing financing products from Islamic banks in Medan. This study utilizes an associative quantitative method, targeting the citizens of Medan as research subjects. The sample size was determined using Purposive Sampling with the Lemeshow formula, yielding 96 respondents. Data collection was carried out through the distribution of questionnaires. Furthermore, data analysis techniques included instrument validity and reliability tests, classical assumption tests, and multiple linear regression analysis. The results indicate that peer-to-peer lending and digital financial literacy have a positive and significant influence. Meanwhile, the use of digital payments does not have a significant effect on customer decisions to choose financing from Islamic banks. Simultaneously, all three independent variables exert a positive and significant influence on the decision to utilize financing from Islamic banks.