The Influence of Islamic Lifestyle, Social Media Usage, and Perceived Ease of Use of Bank Syariah Indonesia’s QRIS on Generation Z’s Interest in Digital Payments

Abstract

This study aims to analyze the influence of Islamic lifestyle, social media usage, and perceived ease of use of Bank Syariah Indonesia (BSI) QRIS on Generation Z’s interest in digital payments, both partially and simultaneously. The study employed a quantitative approach with a correlational and associative design. The research was conducted at the Faculty of Islamic Economics and Business, Universitas Islam Negeri Alauddin Makassar. The population comprised active students from the 2022, 2023, and 2024 cohorts, totaling 1,950 students, while 100 respondents were selected using purposive sampling. Data were collected through an online questionnaire using a four-point Likert scale and analyzed using validity and reliability tests, classical assumption tests, multiple linear regression, t-test, F-test, and coefficient of determination with SPSS 25. The findings show that Islamic lifestyle has a positive and significant effect on Generation Z’s interest in using BSI QRIS, while social media usage has no significant partial effect. Perceived ease of use has a positive and significant effect. Simultaneously, Islamic lifestyle, social media usage, and perceived ease of use significantly affect Generation Z’s interest, with an R² of 0.842. These findings indicate that interest in BSI QRIS is primarily strengthened by adherence to Islamic values and technological convenience, while social media functions mainly as a supporting information channel.