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This research explores the factors influencing the adoption of Islamic digital banking among millennials in Indonesia. Employing a qualitative approach through a comprehensive literature review, the study analyzes existing research on Islamic digital banking adoption, focusing on academic journals, conference proceedings, and industry reports. The findings reveal that perceived ease of use and usefulness of digital banking services are crucial. Additionally, social influences, such as peer and family recommendations, and personal factors, including demographics and cultural background, significantly impact adoption rates. This research provides valuable insights for Islamic banks in Indonesia to develop targeted strategies for millennial engagement. By understanding these influencing factors, Islamic banks can tailor digital banking services to meet the specific needs and preferences of this demographic, thereby enhancing market penetration and fostering growth within the evolving digital banking landscape.

Technological advancements have had a significant impact on facilitating financial transactions, one of which is through the use of digital payment systems. ShopeePay, as one of the e-wallets that has rapidly grown in Indonesia, offers convenience in making cashless transactions. Although ShopeePay is becoming increasingly popular, several factors still influence the behavior of its use, particularly among Generation Z. This study aims to analyze the factors that affect ShopeePay usage behavior among Generation Z students at the Universitas Muhammadiyah Surakarta using the UTAUT model. The sampling method used is convenience sampling. This quantitative research uses primary data collected through an online questionnaire via a Google Form link. A total of 275 respondents are involved in the study. Data analysis is conducted using the Smart PLS application. The results of the study indicate that performance expectancy, social influence, and facilitating conditions have affect use behavior, while effort expectancy does not have use behavior. This study emphasizes the importance of performance, social, and infrastructure support aspects in enhancing the acceptance of ShopeePay as a digital payment technology.

The advancement of payment technology has shifted the role of cash to non-cash systems. Generation Z plays a significant role in the adoption of this technology. One of the innovations introduced by Bank Indonesia is the Quick Response Code Indonesian Standard (QRIS), launched on August 17, 2019, to support digital payments through server-based e-money applications, e-wallets, or mobile banking. This study aims to analyze the factors influencing QRIS usage behavior among Generation Z based on the Unified Theory of Acceptance and Use of Technology (UTAUT). The study employs a quantitative method involving 275 respondents collected through an online questionnaire. Data are analyzed using SmartPLS. The results show that performance expectancy, facilitating conditions, and social influence have a positive influence on QRIS usage behavior. In contrast, effort expectancy does not have an influence. These findings are expected to support strategies for increasing QRIS adoption among Generation Z.

This study aims to examine the factors affecting the use behavior of the Flip.id application using the UTAUT2 framework. The results indicate that performance expectancy, effort expectancy, and social influence positively affect behavioral intention. Meanwhile, facilitating conditions and behavioral intention positively influence use behavior. The study found that facilitating conditions and performance expectancy are the strongest antecedents in this research. The findings also reveal a negative effect of hedonic motivation on behavioral intention, while price value does not influence behavioral intention to use the Flip.id application. The moderation testing of experience on facilitating conditions and hedonic motivation shows a positive relationship. However, perceived credibility does not moderate the relationship between behavioral intention and use behavior. Based on the findings, it is evident that the ease of application use, adequate facilities, usefulness, and recommendations play crucial roles in increasing behavioral intention. Conversely, emotional and financial aspects do not demonstrate significant importance for users. This study provides implications for Flip application developers to enhance functional features, user education, and other facilities that support transaction processes within the application.

This research aims to determine the influence of performance expectancy, effort expectancy, social influence, facilitating conditions on the use of Bank BSI KCP Kampung Tax Labuhan Batu Utara customers in using digital banking services. (BSI mobile deposits). This type of research is quantitative. The data used in this research is primary data obtained through questionnaires with variable instruments using a Likert scale which were distributed to respondents totaling approximately 100 people. The data analysis technique used is a data analysis test consisting of validity test, reliability test, classical assumption test consisting of normality test, multicollinearity test and heteroscedasticity test, and also using multiple linear analysis, which consists of F test, T test, and test the coefficient of determination (R²) using the SPSS version 22 data processing application. The results of this study show that performance expectancy has no effect, effort expectancy has a significant positive effect, social influence has a significant positive effect, and condition Facilitating conditions do not have a positive effect on Bank BSI KCP Kampung Tax Labuhan Batu Utara customers in using digital banking services (BSI Mobile Deposits).    

The proliferation of e-commerce applications or platforms in Indonesia today provides society, especially students, with increasingly numerous options for online shopping. One example of such an application is Tokopedia. This research analyzes the use of the Tokopedia platform in online shopping utilizing the Unified Theory of Acceptance and Use of Technology (UTAUT) approach. The population in this study is students in the city of Malang, with a sample approach using the Malhotra model, resulting in a sample size of 145 students. The results of SEM-PLS analysis indicate that Performance Expectancy, Effort Expectancy, and Trust have a positive and significant influence on the intention to use Tokopedia for online shopping among students in Malang. Meanwhile, Social Influence and Facilitating Conditions do not have a significant influence on the intention to use Tokopedia for online shopping among students in Malang city. Keywords: UTAUT, E-Commerce Platform, Students, Online Shopping