Analisis Minat Generasi Z terhadap Penggunaan Mobile Banking Syariah di Kota Bandung

This study aims to analyze Generation Z's interest in using Islamic mobile banking in Bandung City and the factors influencing it. The study used a descriptive qualitative approach involving 30 informants consisting of workers, university students, and high school students. The results showed that the majority of informants (60%) expressed interest in Islamic mobile banking, while the remaining 40% were not yet interested. This interest was influenced by ease of use, practicality of the service, benefits, and awareness of Islamic principles. Meanwhile, low interest was influenced by the habit of using conventional services, a lack of Islamic financial literacy, and the perception that Islamic services were not significantly different from conventional services. Based on the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB), Generation Z's interest was influenced by perceptions of ease, benefits, and the social environment. These findings demonstrate the importance of increasing Islamic digital service literacy and innovation to encourage the use of Islamic mobile banking among Generation Z.