Uncovering Factors Influencing the Decision to Use Open Islamic Banking in East Java
DOI:
https://doi.org/10.24256/kharaj.v8i2.10297Keywords:
Perceived usability, perceived ease of use, attitude towards use, behavioral intention to use, use of actual system, attitude towards behavior, subjective norms, perceived behavioral control, religiosityAbstract
This study aims to identify factors influencing Generation Z’s decision to use Open Islamic Banking. A quantitative exploratory approach was applied using Exploratory Factor Analysis (EFA) on data collected from 388 purposively selected respondents in East Java, Indonesia. The instrument comprised 54 items representing key constructs such as perceived usefulness, perceived ease of use, attitude, behavioral intention, actual use, subjective norm, perceived behavioral control, and religiosity. The results reveal 13 factors explaining 55.062% of total variance, with perceived ease of use and perceived usefulness as dominant factors, while religiosity emerges as a distinctive determinant in the Islamic banking context. These findings indicate that technological, social, psychological, and religious aspects jointly influence usage decisions. The study implies that Islamic banking providers should enhance system usability, perceived benefits, and Sharia compliance to increase adoption among Generation Z. Future studies are suggested to apply confirmatory methods and broader samples. This article includes 54 items, 7 tables, 1 figure, and supporting references.
References
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Ajzen, Icek. 2002. "Perceived Behavior Control, Self-Efficacy, Control Locus, and Planned Behavior Theory." Journal of Applied Social Psychology 32(4):665–83. doi: 10.1111/j.1559-1816.2002.tb00236.x.
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Davis, Fred D. 1989. "Perceived Usability, Perceived Ease of Use, and User Acceptance of Information Technology." MIS Quarterly: Management Information Systems 13(3):319–39. doi: 10.2307/249008.
Djamaludin, Ancok, and Fuat Nashori Suroso. 2008. "Islamic Psychology: Islamic Solutions to Psychological Problems." Yogyakarta: Student Library.
Fitri Wahyuningtyas, Yunita, M. Awal Satrio Satrio Nugroho, Meidi Syaflan, and Tahsa Husna Anindita. 2023. "The Influence of Attitudes, Subjective Norms and Perceived Behavior Control (PBC) on Interest in Using M-Banking during the Covid-19 Pandemic in the People of Wonosobo Regency." Journal of Management Research of the Widya Wiwaha College of Economics Master of Management Program 10(2):53–62. doi: 10.32477/jrm.v10i2.705.
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Hakeem, Ghozian, and Ririn Tri Ratnasari. 2021. "The Effect of Perceived Ease of Use on the M-Banking Application of Sharia Commercial Banks with Trust as an Intervening Variable." Journal of Theoretical and Applied Sharia Economics 8(6):696. doi: 10.20473/vol8iss20216pp696-705.
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Rosyidah, Dinda, Ari Saptono, and Agus Wibowo. 2024. "The Effect of the Human Development Index, Regional Minimum Wage, and Population on Economic Growth in East Java 2015-2022." SINOMIKA Journal: Scientific Publications in the Field of Economics and Accounting 2(5):833–44.
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Suggestion. 2016. Quantitative, Qualitative, and R&D Research Methods.
Syahroni, Muhammad Irfan. 2022. "Quantitative Research Procedures." 2(3):43–56.
Usman, Berto, Heris Rianto, and Somnuk Aujirapongpan. 2025. "The Adoption of Digital Payments: A Review of Planned Behavior Theories Among Young Generations." International Journal of Information Management Data Insights 5(1):100319. doi: 10.1016/j.jjimei.2025.100319.
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World Bank. 2020. "Islamic Finance and Malaysian Financial Inclusion." CFA Institute Magazine 16(2):16–23.
Yunda, Aqilah, Putria Sari, Satria Bangsawan, and Nuzul Inas Nabila. 2025. "The Effect of Information Quality on Instagram on Intention to Buy Soul Promise Products with Trust Variables as Mediation (Study on Gen Z in Bandar Lampung)." 5(2):315–38.
Adityas Wahyuningsih, Rina Eka Widjayanti, Arni Surwanti. 2026. "User Satisfaction in Digital Banking: A Study on the Influence of Personalization and Trust." 133–44.
Ajzen, Icek. 2002. "Perceived Behavior Control, Self-Efficacy, Control Locus, and Planned Behavior Theory." Journal of Applied Social Psychology 32(4):665–83. doi: 10.1111/j.1559-1816.2002.tb00236.x.
Ali, Muhammad Arsalan, Muhammad Nazim, Shahid Hussain, and Jamshaid your Rehman. 2021. "The Impact of Islamic Financial Literacy, Subjective Norms, Risk Perception, and Perceived Behavioral Control on the Adoption of Islamic Banking in Pakistan." 11(3):220–33.
Cahyana, Divka Adela, and Peny Cahaya Azwari. 2023. "The Influence of Information Technology, Service Quality and Excellence on the Interest of the Millennial Generation in Using Mobile Banking in Islamic Banks." 1(September):103–16.
Carranza, Rocío, Estrella Díaz, dan Carlos Sánchez-camacho. 2021. "E-Banking Adoption: Opportunities for Co-Creation of Customer Value." 11 (January): 1–10. doi: 10.3389/fpsyg.2020.621248.
Davis, Fred D. 1989. "Perceived Usability, Perceived Ease of Use, and User Acceptance of Information Technology." MIS Quarterly: Management Information Systems 13(3):319–39. doi: 10.2307/249008.
Djamaludin, Ancok, and Fuat Nashori Suroso. 2008. "Islamic Psychology: Islamic Solutions to Psychological Problems." Yogyakarta: Student Library.
Fitri Wahyuningtyas, Yunita, M. Awal Satrio Satrio Nugroho, Meidi Syaflan, and Tahsa Husna Anindita. 2023. "The Influence of Attitudes, Subjective Norms and Perceived Behavior Control (PBC) on Interest in Using M-Banking during the Covid-19 Pandemic in the People of Wonosobo Regency." Journal of Management Research of the Widya Wiwaha College of Economics Master of Management Program 10(2):53–62. doi: 10.32477/jrm.v10i2.705.
Ghozali, Imam. 2008. Structural Equation Modeling: An Alternative Method with Partial Least Square (Pls). Publishing Agency of Diponegoro University.
Hair, Joseph, Rolph Anderson, Barry Babin, and Wiiliam Black. 2010. "Multivariate Data Analysis. Pdf." Australia: Cengage 7:758.
Hakeem, Ghozian, and Ririn Tri Ratnasari. 2021. "The Effect of Perceived Ease of Use on the M-Banking Application of Sharia Commercial Banks with Trust as an Intervening Variable." Journal of Theoretical and Applied Sharia Economics 8(6):696. doi: 10.20473/vol8iss20216pp696-705.
Hayam, University, Wuruk Perbanas, and East Java. 2025. "Actual System Use is a form of real behavior that reflects an individual's decision to use open banking." 15(1):39–58. doi: 10.14414/jbb.v15i01.5378.
Judijanto, Loso, and Apriyanto Apriyanto. 2025. "Mapping the Entrepreneurial Evolution of Generation Z with Bibliometric Analysis." Sanskara Economics and Entrepreneurship 3(02):85–94. doi: 10.58812/sek.v3i02.530.
Neni Suryani. 2022. "The Influence of Facilities and Services on Customer Interest in Saving at Bank Syariah Mandiri Kc Dumai." Al-Hisbah Journal of Sharia Economics 3(1):53–65. doi: 10.57113/his.v3i1.215.
Putri, Azizah, Anriza Witi Nasution, and Ermyna Seri. 2020. "The Effect of Perceived Usefulness, Perceived Ease of Use and Perceived Credibility on the Decision to Use M-Banking during Covid-19." Scientific Journal of Budgeting Accounting 1(2):53–62.
Rafiuddin, Muhammad, Edy Setyo Wibowo, and Ade Fajar. 2024. "The Future of Sharia Economics in Indonesia: A Critical Analysis of Challenges and Solutions." Al-Musyarakah: Journal of Islamic Economics 4(1):29–44. doi: 10.71247/rmryvt50.
Rahma Wulandari1, Dewi Noor Susanti2. 2023. "The Effect of Perceived Usefulness, Perceived Ease of Use, Product Features and Reference Group on Usage Decisions." 5(2):199–211.
Rosyidah, Dinda, Ari Saptono, and Agus Wibowo. 2024. "The Effect of the Human Development Index, Regional Minimum Wage, and Population on Economic Growth in East Java 2015-2022." SINOMIKA Journal: Scientific Publications in the Field of Economics and Accounting 2(5):833–44.
Siska, Elmira, Faculty of Economics, Bina University, and Informatics Facilities. 2022. "Exploring the Important Factors of Digital Islamic Banking Adoption in Indonesia: A Review of the Literature." 8(01):124–30.
Suggestion. 2016. Quantitative, Qualitative, and R&D Research Methods.
Syahroni, Muhammad Irfan. 2022. "Quantitative Research Procedures." 2(3):43–56.
Usman, Berto, Heris Rianto, and Somnuk Aujirapongpan. 2025. "The Adoption of Digital Payments: A Review of Planned Behavior Theories Among Young Generations." International Journal of Information Management Data Insights 5(1):100319. doi: 10.1016/j.jjimei.2025.100319.
Venkatesh, Viswanath, Jamea y. . . Thong, and Xin Xu. 2012. "Consumer Acceptance and Information Technology Use: Expanding the Theory of Acceptance and Use of Integrated Technology by Viswanath Venkatesh, James Y.L. Thong, Xin Xu:: SSRN." MIS Quarterly 36(1):157–78.
World Bank. 2020. "Islamic Finance and Malaysian Financial Inclusion." CFA Institute Magazine 16(2):16–23.
Yunda, Aqilah, Putria Sari, Satria Bangsawan, and Nuzul Inas Nabila. 2025. "The Effect of Information Quality on Instagram on Intention to Buy Soul Promise Products with Trust Variables as Mediation (Study on Gen Z in Bandar Lampung)." 5(2):315–38.
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