Determination of The Intention of Generation Z In Bandung City to Use Islamic Digital Banking Through The Unified Theory of Acceptance And Use of Technology (UTAUT) With Knowledge of Riba As A Moderating Variable

Abstract

This research is motivated by an increase in the Islamic financial literacy index in Indonesia in 2022 and the development of Islamic digital banking innovations in Indonesia. The purpose of this study is to investigate further the factors that cause generation Z in Bandung City to intend to use Islamic digital banking applications through the Unified Theory of Acceptance and Use of Technology (UTAUT) with knowledge of riba as a moderating variable. This research method is a quantitative descriptive SEM-PLS using 125 respondents who were processed with Smart PLS 3.2.9 software. The results of the study show that performance expectations (PE) and convenience expectations (CE) have no significant effect on the intention of generation Z (INT) in Bandung City to use Islamic digital banking. However, environmental literacy (EL) and supporting infrastructure (SI) have a positive and significant effect on the intention to use (ITU) Islamic digital banking. In addition, knowledge of riba (KR) does not moderate the relationship between PE, CE, EL and SI to INT. Interestingly, KR had a positive and direct effect on INT.