Exploring Santri’s Intention to Use Islamic Digital Banking: A Consumer Behavior Perspective

Muhandis Difa'iy Aziz, Nada Cantika Putri Kadua, Farid Hidayat

Abstract


The rapid development of digital technology has significantly facilitated daily activities and encouraged the emergence of various technology-based services. In the banking sector, this progress has shifted service models from conventional to digital platforms, including in Islamic financial institutions. Santri, as individuals who are closely associated with Islamic values, are considered a relevant group to examine in the context of Islamic digital banking adoption. This study aims to analyze the influence of Lifestyle, Social Influence, and Religiosity on Santri’s interest in using Islamic digital banking services. The research was conducted on santri in the Krapyak Lor area, utilizing primary data obtained through a structured questionnaire with 130 respondents. The data were analyzed using SPSS version 25. The results reveal that Lifestyle, Social Influence, and Religiosity each have a positive and significant effect on Santri’s interest in adopting Islamic digital banking services. These findings indicate that personal lifestyle alignment, social encouragement, and the internalization of religious values play an essential role in shaping digital banking preferences among santri. The study contributes to the understanding of consumer behavior in Islamic financial technology adoption and provides practical implications for Islamic banking institutions in formulating strategies to expand their digital service outreach.

Keywords


Lifestyle; Social Influence; Religiosity; Islamic Digital Banking; Santri.

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DOI: https://doi.org/10.17509/jbme.v10i3.92186

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