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Abstract
This study aims to analyze financial literacy and innovation's influence on the decision to use Bank Syariah Indonesia (BSI) digital services in Parepare City. The research method uses a quantitative approach with multiple regression analysis. Data was obtained through research instruments tested for validity and reliability. The results showed that financial literacy had a positive and significant effect with a regression coefficient of 0.350 (p < 0.05), and financial innovation also had a positive and significant effect with a regression coefficient of 0.355 (p < 0.05) on the decision to use BSI digital services. Simultaneously, these two variables had a significant influence with an F-count value of 50.794 (p < 0.05) and could explain 51.2% of the variation in the decision to use BSI services. This study concludes that increasing financial literacy and developing banking service innovations are important in encouraging BSI digital services in Parepare City.
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References
- Ayuningtyas, A., Arrahman, C. F., Salsabila, K. V., Armayza, M. A., Hardiyanti, N. S., & Suresman, E. (2024). 9 Sharia Finance Innovations: A Review from the Perspective of Sharia Economics Students. JEKIS: Journal of Islamic Economics, 2(1).
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- Raihan, R. (2016). Decision Making in Da'wah Management Leadership. Al-Bayan Journal: Media for the Study and Development of Da'wah Science, 22(2).
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- Sanjaya, S., & Budiono, H. (2021). The Effect of the Use of Social Media and E-Wom on Purchase Decisions in Trust Mediation. Journal of Managerial and Entrepreneurship, 3(4), 1147–1157.
- STIKOM, P. A. G. P.-S. (2017). Application of TAM (Technology Acceptance Model) Method in implementing Bazaar Banjar Information System. Speed-Center for Engineering and Education Research, 10(1).
- Sugiyono, D. (2013). Qualitative and quantitative research methods and R&D. In Alfabeta Publishers.
- Tribuana, L., Stie, A., & Subang, S. (2020). The influence of financial literacy, self-control, and hedonistic conformity on students' consumptive behavior. Prisma (Accounting Student Research Platform), 1(1), 145–155.
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References
Ayuningtyas, A., Arrahman, C. F., Salsabila, K. V., Armayza, M. A., Hardiyanti, N. S., & Suresman, E. (2024). 9 Sharia Finance Innovations: A Review from the Perspective of Sharia Economics Students. JEKIS: Journal of Islamic Economics, 2(1).
Khalifaturofi'ah, S. O. (2019). Banking Financial Innovation in Indonesia. Senama Proceedings, 2, 11–20.
Pulungan, D. R., & Febriaty, H. (2018). The influence of lifestyle and financial literacy on students' consumptive behavior. Journal of Management Science Research, 2(3), 103–110.
Raihan, R. (2016). Decision Making in Da'wah Management Leadership. Al-Bayan Journal: Media for the Study and Development of Da'wah Science, 22(2).
Sada, Y. M. V. K. (2022). The Influence of Financial Literacy, Lifestyle and Social Environment on Student Financial Behavior: The Influence of Financial Literacy, Lifestyle and Social Environment on Student Financial Behavior. Journal of Accounting Literacy, 2(2), 86–99.
Sanjaya, S., & Budiono, H. (2021). The Effect of the Use of Social Media and E-Wom on Purchase Decisions in Trust Mediation. Journal of Managerial and Entrepreneurship, 3(4), 1147–1157.
STIKOM, P. A. G. P.-S. (2017). Application of TAM (Technology Acceptance Model) Method in implementing Bazaar Banjar Information System. Speed-Center for Engineering and Education Research, 10(1).
Sugiyono, D. (2013). Qualitative and quantitative research methods and R&D. In Alfabeta Publishers.
Tribuana, L., Stie, A., & Subang, S. (2020). The influence of financial literacy, self-control, and hedonistic conformity on students' consumptive behavior. Prisma (Accounting Student Research Platform), 1(1), 145–155.
Yushita, A. N. (2017). The importance of financial literacy for personal financial management. Nominal Barometer of Accounting and Management Research, 6(1), 11–26.