THEORETICAL GAP ANALYSIS: CONSTRUCTION OF A MODEL OF GENERATION Z CONSUMER BEHAVIOR TOWARDS THE ADOPTION OF DIGITAL SHARIA FINANCIAL SERVICES
PEMETAAN KESENJANGAN TEORITIS (GAP ANALYSIS): KONTRUKSI MODEL PERILAKU KONSUMEN GENERASI Z TERHADAP ADOPSI LAYANAN KEUANGAN SYARIAH DIGITAL
Keywords:
gap analysis, Generasi Z, Perilaku Konsumen, Layanan Keuangan, Syariah Digital, Religiusitas
Abstract
Advances in financial technology have transformed the landscape of financial services, including in Islamic financial institutions, which are now developing various digital innovations such as Islamic mobile banking, halal fintech, and Sharia-compliant e-wallets. Although Generation Z is the dominant user of digital technology, their adoption rate of Islamic financial services is still relatively low. This study aims to map the theoretical gap through a Systematic Literature Review (SLR) approach, utilizing the PRISMA 2020 protocol, which examines national and international literature published between 2015 and 2025. The results of the study show that classical models such as the Technology Acceptance Model (TAM), Theory of Planned Behavior (TPB), and Unified Theory of Acceptance and Use of Technology (UTAUT) have not been able to explain the behavior of Generation Z in the context of sharia because they do not accommodate the values of trust, reputation, and religiosity. This study further formulates a new conceptual model that integrates Islamic values into the framework of digital behavior, intending to strengthen the theoretical basis for future empirical research and provide strategic direction in increasing interest, trust, and adoption rates of digital sharia financial services among Generation Z.
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Choeriyah, Nanda, and Wahib Assyahri. "Generation Z's involvement in the public policy-making process to approach services that are more inclusive and responsive." Journal of Social Sciences and Humanities 2, no. 2 (September 2024): 244–54.
Dewi, Wayan Weda Asmara, Nufian Febriani, Nia Ashton Destrity, Dian Tamitiadini, Azizun Kurnia Illahi, Wifka Rahma Syauki, Fitria Avicenna, Diyah Ayu Amalia Avina, and Bambang Dwi Prasetyo. Consumer Behavior Theory. University of Brawijaya Press, 2022.
Fahrunisa, Iqlima, and Basmah Nafisah. "Analysis of DSN MUI's Fatwa on Murabahah and Wakalah Bil Ujroh in Sharia Fund Fintech." LABATILA : Journal of Islamic Economics 7, no. 01 (June 2023): 27–40. https://doi.org/10.33507/lab.v7i01.1195.
Ferdiana, Nurman. "Qardh and Wakalah Bil Ujrah Contracts in Financial Technology Sharia Peer to Peer Lending Transactions: The Perspective of DSN-MUI Fatwa Number 117/DSN-MUI/II/2018." Al-Kharaj: Journal of Sharia Economics, Finance & Business 6, no. 1 (January 2024): 323–50. https://doi.org/10.47467/alkharaj.v6i1.208.
Fidhayanti, Dwi, Mohd Shahid Mohd Noh, Ramadhita Ramadhita, and Syabbul Bachri. “Exploring The Legal Landscape of Islamic Fintech in Indonesia: A Comprehensive Analysis of Policies and Regulations.” F1000Research 13 (June 2024): 21. https://doi.org/10.12688/f1000research.143476.2.
Firmansyah, Heri, Muhammad Rusydi, Irwan Irwan, and Mulyatno Mulyatno. "Financial Technology Based on Shariah Principles and the Model of the Use of Contracts in Shariah Fintech: A Study of the DSN MUI Fatwa. Tabayyanu: Journal Of Islamic Law 1, no. 01 (March 2024): 58–74.
Fitriah, Yasminah Nur, and Anom Garbo. “Factors Influencing the Decision to Use BSI Mobile Banking among Gen Z and Millennials in Yogyakarta, Indonesia.” Journal of Islamic Economics Lariba 10, no. 2 (December 2024): 1143–68. https://doi.org/10.20885/jielariba.vol10.iss2.art26.
Fitriyadi, Muhammad Yudi, Muhammad Restu Rahman, Muhammad Rifqi Azmi, M Arifin Ilham, Olyvia Ika Aibina, Nurul Hesda, and Fikri Al. THE INFLUENCE OF THE WORLD OF IT ON THE BEHAVIOR OF GENERATION Z TEENAGERS. 1 (2023).
Jatnika, Muhammad Dzulfaqori, and Aneng Anisa Daliah Mutiara. Implementation of Sharia Fintech Regulations in Indonesia. n.d.
Muhammad Rais, Himmatul Khairi, and Faisal Hidayat. "The Influence of Digital Technology, Religiosity, and Social Media on Generation Z's Decision to Invest in Sharia Stocks." Maro: Journal of Sharia Economics and Business 6, no. 2 (November 2023): 342–55. https://doi.org/10.31949/maro.v6i2.7178.
By, compiled, and Nabiila Jahroo Az Zakiyyah. COMMUNICATION SCIENCE STUDY PROGRAM, FACULTY OF PSYCHOLOGY AND SOCIO-CULTURAL SCIENCES, ISLAMIC UNIVERSITY OF INDONESIA, YOGYAKARTA 2024. n.d.
“(PDF) Sharia Fintech and Gen Z: The Mediating Role of Perceived Usefulness.” Accessed October 4, 2025. https://www.researchgate.net/publication/383986236_SHARIA_FINTECH_AN_D_GEN_Z_THE_MEDIATING_ROLE_OF_PERCEIVED_USEFULNESS?utm_source=chatgpt.com.
"THE DEVELOPMENT OF ISLAMIC BANKING IN INDONESIA | BRANCH." Accessed October 4, 2025. https://journal.uir.ac.id/index.php/Peka/article/view/15010.
Putri, Amanda Afriza, Luthfiyyah Rahadatul 'Aisyi, Putri Dwi Permatasari, and Topan Iskandar. "ANALYSIS OF THE BEHAVIOR OF FEMALE STUDENTS AS MUSLIM CONSUMERS ON THE PURCHASING POWER OF ONLINE PRODUCTS IN SHOPEE E-COMMERCE." ESSENCE: Journal of Business Management, August 5, 2024, 8–24.
Qothrunnada, Nabila Azura, Juni Iswanto, Dewi Fitrotus S, Bhaswarendra Guntur Hendratri, and Subekan Subekan. "Digital Transformation of Islamic Financial Institutions: Opportunities and Implementation in the Industrial Era 4.0." Indonesian Journal of Humanities and Social Sciences 4, no. 3 (December 2023): 741–56. https://doi.org/10.33367/ijhass.v4i3.4585.
Rohmawati, Nok Silvi, and Muhammad Rosyada. "THE USE OF SHARIA FINTECH AND ONLINE INVESTMENT IN A REVIEW OF TRUST AND RISK THEORY." Sahmiyya: Journal of Economics and Business, May 31, 2025, 237–43.
Scott, Scott, and Shawn Scott. "Digital Transformation in Islamic Financial Services: Opportunities and Challenges in the Fintech Era." Interdisciplinary Explorations in Research Journal 3, no. 2 (August 2025): 763–81. https://doi.org/10.62976/ierj.v3i2.1332.
“Sharia Fintech and Gen Z: The Mediating Role of Perceived Usefulness | Share: Jurnal Ekonomi Dan Keuangan Islam.” Accessed October 4, 2025. https://jurnal.ar-raniry.ac.id/index.php/Share/article/view/22990.
Suaidi, Suaidi, Zainul Mun’im, Sriyati Dwi Astuti, Ivan Riyadi, Siti Khabibah, and Nurul Huda. “Harmonisation Between DSN-MUI Fatwas and OJK Regulations: Towards an Innovative and Inclusive Sharia-Compliant Fintech Ecosystem in Indonesia.” Mazahib 24, no. 1 (June 2025): 182–97. https://doi.org/10.21093/mj.v24i1.10032.
Sugiarti, Dian. Sharia Financial Literacy of Generation Z and Their Interest in Sharia Banking (Case Study on Vocational School Students in Jakarta). n.d.
Susiyana, Ayu Ruqayyah Yunus, and Muslihati. "Analysis of Factors Influencing Interest in Transactions Using Sharia Fintech in Generation Z in Makassar City." At Tawazun Journal of Islamic Economics 3, no. 2 (August 2023). https://doi.org/10.24252/attawazun.v3i2.41011.
Syakinah, Fitri. "Factors Influencing Gen Z's Intention In Adopting Islamic Fintech Payment Digital Services." JPS (Journal of Sharia Banking) 5, no. 1 (April 2024): 70–89. https://doi.org/10.46367/jps.v5i1.1780.
———. "Factors Influencing Gen Z's Intention In Adopting Islamic Fintech Payment Digital Services." JPS (Journal of Sharia Banking) 5, no. 1 (April 2024): 70–89. https://doi.org/10.46367/jps.v5i1.1780.
Syam'ani, Muhammad, and Yusuf Mahmud. "The Role of Investment Digital Platforms in Changing the Transaction Mechanism in the Indonesian Sharia Capital Market." Muttaqien; Indonesian Journal of Multidisciplinary Islamic Studies 5, no. 1 (January 2024): 63–74. https://doi.org/10.52593/mtq.05.1.05.
Usman, Hardius, Nucke Widowati Kusumo Projo, Chairy Chairy, and Marissa Grace Haque. “The Exploration Role of Sharia Compliance in Technology Acceptance Model for E-Banking (Case: Islamic Bank in Indonesia).” Journal of Islamic Marketing 13, no. 5 (March 2022): 1089–110. https://doi.org/10.1108/JIMA-08-2020-0230.
Published
2026-01-02
How to Cite
Muchsin, F., & Agustianto, M. (2026). THEORETICAL GAP ANALYSIS: CONSTRUCTION OF A MODEL OF GENERATION Z CONSUMER BEHAVIOR TOWARDS THE ADOPTION OF DIGITAL SHARIA FINANCIAL SERVICES. ADILLA : Jurnal Ilmiah Ekonomi Syari’ah, 9(1), 105-120. https://doi.org/https://doi.org/10.52166/adilla.v9i1.11117
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