Pengaruh Persepsi Kemudahan, Fitur Layanan, Literasi Keuangan Syariah Dan Keamanan Terhadap Keputusan Generasi Z Menggunakan BYOND By BSI Di Kabupaten Pekalongan

Wulandari, Susi (2026) Pengaruh Persepsi Kemudahan, Fitur Layanan, Literasi Keuangan Syariah Dan Keamanan Terhadap Keputusan Generasi Z Menggunakan BYOND By BSI Di Kabupaten Pekalongan. Undergraduate Thesis thesis, UIN K.H. Abdurrahman Wahid Pekalongan.

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Abstract

Advances in digital technology have driven the banking sector—including Islamic banking—to continue innovating in the provision of digital services. In an effort to meet the public’s needs without compromising Sharia principles, Bank Syariah Indonesia has launched the BYOND By BSI app as one of its digital banking services. Generation Z’s decision to use this app is influenced by various factors that are taken into account in the decision-making process. This study aims to determine the influence of Perceived Ease of Use, Service Features, Sharia Financial Literacy, and Security on Generation Z’s Decision to Use BYOND by BSI in Pekalongan Regency. This study is a causal study using a quantitative approach. Research data were collected by distributing questionnaires to respondents. The study sample consisted of 96 participants, determined using Cochran’s formula. The sampling technique used in this study was non-probability sampling, specifically purposive sampling. Data analysis was conducted using SPSS version 27, which included instrument validation, tests of classical assumptions, multiple linear regression analysis, hypothesis testing, and a test of the coefficient of determination. The results of the study indicate that, individually, the variables of Perceived Ease of Use, Service Features, Sharia Financial Literacy, and Security have a positive and significant effect on Generation Z’s decision to use BYOND by BSI in Pekalongan Regency. Simultaneously, all four variables—Perceived Ease of Use, Service Features, Sharia Financial Literacy, and Security—collectively have a positive and significant effect on Generation Z’s decision to use BYOND by BSI in Pekalongan Regency. The results of the coefficient of determination test show an adjusted R² value of 0.844, or 84.4%. This indicates that the decision to use the service is explained by the variables of Perceived Ease, Service Features, Sharia Financial Literacy, and Security to the extent of 84.4%, while the remaining 15.6% is explained by other factors outside the scope of this study.

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