Sharia Financial Literacy and Digital Literacy on Students’ Decisions to Use BSI Mobile
Keywords:
Digital Literacy, Financial Literacy, Sharia Transactions, Islamic Banks
Abstract
This research is motivated by the fact that the level of sharia financial literacy among students is uneven, while digital literacy also determines their ability to access BSI Mobile. The purpose of this study is to examine how sharia financial literacy and digital literacy influence students’ decisions to conduct sharia transactions using BSI Mobile. The study employs a quantitative associative approach with survey data collected from 75 students of the Faculty of Economics and Business, Mulawarman University, using an online questionnaire. Data were analyzed using ordinal logistic regression to measure the significance of the independent variables. The results show that sharia financial literacy and digital literacy each have a significant positive effect on the decision to engage in sharia transactions. Simultaneously, the two literacies complement each other and become key determinants of sustainable adoption of Islamic financial technology among students. The originality of this study lies in integrating financial and digital literacy into one explanatory framework, while its implications provide practical insights for universities and Islamic banks to design integrated literacy programs.
References
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Yadav, Mamta. “A Comparative Study on Digital Financial Literacy and E-Banking Adoption.” International Journal for Research in Applied Science and Engineering Technology 12, no. 7 (2024): 682–86. https://doi.org/10.22214/ijraset.2024.63616.
Zaman, Sohaib Uz, Muhammad Usama Ibne Khalid, Syed Hasnain Alam, and Muhammad Hunain. “Investigating the Factors Influencing the Acceptance of Islamic Mobile Banking Services.” The Asian Bulletin Of Green Management And Circular Economy 5, no. 1 (2025): 99–126. https://doi.org/10.62019/abgmce.v5i1.129.
Zunaira, Zaman, Bilal Mehmood, Rashid Aftab, Muhammad Shahid Siddique, and Yasir Ameen. “Role of Islamic Financial Literacy in the Adoption of Islamic Banking Services: An Empirical Evidence from Lahore, Pakistan.” Journal of Islamic Business and Management (JIBM) 7, no. 2 (2017). https://doi.org/10.26501/jibm/2017.0702-006.
Apriantoro, Muhamad Subhi, Jalesta Herviana, Y. Yayuli, and S. Suratno. “Sharia Financial Literacy: Research Trends and Directions for Future Inquiry.” Journal of Islamic Economic Laws, July 1, 2023, 19–40. https://doi.org/10.23917/jisel.v6i2.22396.
Fahmi, Hafiz Aulia, Muhammad Noval, Fahreza Widyantara, and Annisa Mahfuzah. “The Influence of Financial Literacy, Lifestyle, and Perceptions About Sharia Banking on Students’ Decisions to Use Mobile Banking Bank Sharia Indonesia.” International Journal of Review Management Business and Entrepreneurship (RMBE) 4, no. 1 (2024): 6–13. https://doi.org/10.37715/rmbe.v4i1.5058.
Fitriah, Rinna Ramadhan Ain, Swadia Gandhi Mahardhika, Akbar lufi Zulfikar, and Nurfiza Widayati. “Perception As A Moderating Variable Of The Influence Of Sharia Financial Literacy On The Decision To Become A BSI Customer.” Jurnal Teknologi Dan Manajemen Industri Terapan 4, no. I (2025): 111–17. https://doi.org/10.55826/jtmit.v4iI.834.
Harahap, Ade Ihwani, Laila Tri Oktavianti, Muhammad Fikri, and Herlina Yustati. “The Role of Financial Literacy in Students in Increasing Interest in Using Mobile Banking.” SEMB-J : Sharia Economic and Management Business Journal 4, no. 1 (2023): 1–4. https://doi.org/10.62159/sembj.v4i3.1163.
Hasibuan, Putri Septi Naulina, Liya Rinawati, and Rinto Harno. “Digital Finance Adoption Strategy In Sharia Bpr.” Journal Of Humanities Social Sciences And Business (JHSSB) 2, no. 3 (2023): 404–15. https://doi.org/10.55047/jhssb.v2i3.587.
Hidayat, Achmad, and Salina Kassim. “The Determinants Of Digital Banking Adoption Among Banks Offering Islamic Banking Services.” Journal of Islamic Monetary Economics and Finance 9, no. 4 (2023): 559–88. https://doi.org/10.21098/jimf.v9i4.1688.
Juwita, Ratna, Adam Darma Kusumah, Tiara Syahrani Aqila, Hanan Tsabitah, and Muhammad Farhan Syauqi. “The Intention to Use Mobile Banking as a Financial Technology Service among Islamic Bank Users.” The Indonesian Capital Market Review 15, no. 1 (2023): 27–39. https://doi.org/10.21002/icmr.v15i1.1166.
Kevser, Mustafa, and Mesut Dogan. “Islamic Financial Literacy and Its Determinants: A Field Study on Turkey.” Journal Transition Studies Review 28, no. 1 (2021): 91–120. https://doi.org/10.14665/1614-4007-28-1-008.
Kristanto Hc, Heru. “Adoption Of Islamic Banking In Financial Satisfaction : Study On Bank Syariah Indonesia Yogyakarta Region.” Jurnal Riset Akuntansi Dan Bisnis Airlangga 7, no. 2 (2022): 1300–1318. https://doi.org/10.20473/jraba.v7i2.37205.
Nawawi, Wirda, Bity Salwana Alias, and Wan Mohd Khairul Wan Isa. “A Validity and Reliability of Instrument to Evaluate the Principal Technology Leadership: A Pilot Study.” International Journal of Evaluation and Research in Education (IJERE) 13, no. 6 (2024): 4093. https://doi.org/10.11591/ijere.v13i6.27282.
Nilmawati, Nilmawati, Hendri Gusaptono, Heru Kristanto, and Agussalim Agussalim. “Financial Literacy, Bank Reputation, and Religiosity in Islamic Banking Adoption.” SHS Web of Conferences 212 (2025): 01002. https://doi.org/10.1051/shsconf/202521201002.
Pala, Fahrettin, Aylin Erdoğdu, Muhammad Ali, Faisal Alnori, and Abdulkadir Barut. “Analyzing the Linkage between Islamic Financial Literacy and Islamic Banking Services Adoption: Evidence from Turkey.” Journal of Islamic Accounting and Business Research 15, no. 5 (2024): 784–817. https://doi.org/10.1108/JIABR-12-2021-0324.
Pradhan, Sonu. “Role of Digital Financial Literacy for Mobile Banking Adoption in Digital Era.” Interantional Journal Of Scientific Research In Engineering And Management 08, no. 06 (2024): 1–5. https://doi.org/10.55041/IJSREM36192.
Puteri, Hesi Eka. “Decision to Adopt Islamic Banking: Examining the Effects of Disposable Income and Islamic Financial Literacy.” Journal Of Economics, Finance And Management Studies 06, no. 08 (2023). https://doi.org/10.47191/jefms/v6-i8-35.
Sabila, Varania Pambagyo, and Hasnawati Hasnawati. “The Influence of Financial Literacy and Digital Literacy on Mobile Banking Adoption.” Syntax Literate ; Jurnal Ilmiah Indonesia 9, no. 11 (2024): 6640–52. https://doi.org/10.36418/syntax-literate.v9i11.17004.
Widyaputri, Fitri Fadilah, and Edy Yusuf Agung Gunanto. “Shariah Mobile Banking Adoption Trends: Analysis Mob Mentality, Reputation, Perceived Risk, and Islamic Financial Literacy.” Jurnal Ekonomi Syariah Teori Dan Terapan 10, no. 5 (2023): 482–95. https://doi.org/10.20473/vol10iss20235pp482-495.
Yadav, Mamta. “A Comparative Study on Digital Financial Literacy and E-Banking Adoption.” International Journal for Research in Applied Science and Engineering Technology 12, no. 7 (2024): 682–86. https://doi.org/10.22214/ijraset.2024.63616.
Zaman, Sohaib Uz, Muhammad Usama Ibne Khalid, Syed Hasnain Alam, and Muhammad Hunain. “Investigating the Factors Influencing the Acceptance of Islamic Mobile Banking Services.” The Asian Bulletin Of Green Management And Circular Economy 5, no. 1 (2025): 99–126. https://doi.org/10.62019/abgmce.v5i1.129.
Zunaira, Zaman, Bilal Mehmood, Rashid Aftab, Muhammad Shahid Siddique, and Yasir Ameen. “Role of Islamic Financial Literacy in the Adoption of Islamic Banking Services: An Empirical Evidence from Lahore, Pakistan.” Journal of Islamic Business and Management (JIBM) 7, no. 2 (2017). https://doi.org/10.26501/jibm/2017.0702-006.
Published
2026-06-15
How to Cite
Citra, M., & Fitriah, R. (2026). Sharia Financial Literacy and Digital Literacy on Students’ Decisions to Use BSI Mobile. El Buhuth: Borneo Journal of Islamic Studies, 9(1), 55-67. https://doi.org/10.21093/el-buhuth.v9i1.12806
Section
Articles
