The Impact of Security, Convenience, and Digital Promotion on Gen Z’s Islamic Banking Interest

Muhammad Irsyam Fi Qolbi, Maryam Bte Badrul Munir — Tue, 14 Jul 2026 00:00:00 +0700

This study aims to analyze the influence of security, convenience, and digital promotion on Gen Z's interest in becoming customers of Bank Syariah Indonesia (BSI). The rapid development of digital banking has intensified competition among financial institutions, making digital service quality and effective marketing strategies essential for attracting young customers. Previous studies have mainly examined security, convenience, and digital promotion separately or have focused on existing users. This study addresses this gap by integrating these three factors to explain Generation Z's interest in becoming BSI customers. The study employed a quantitative associative approach. The population consisted of Gen Z in Surabaya who had not yet used BSI services. Using purposive sampling, data were collected from 168 respondents through an online questionnaire and analyzed using multiple linear regression. The results show that security, convenience, and digital promotion have a positive and significant influence on Gen Z's interest in becoming BSI customers. Security is the strongest factor in building trust, while convenience improves application usability. Digital promotion also increases Gen Z's interest and awareness of Islamic banking services. These findings provide strategic insights to help BSI improve its digital services and marketing strategies for Generation Z.

A Conceptual Framework for Value Creation through Sustainability Reporting and Intellectual Capital

Siti Almurni, I Gusti Ketut Agung Ulupui, Susi Indriani — Tue, 14 Jul 2026 00:00:00 +0700

The growing importance of sustainability and knowledge-based resources has increased interest in understanding how organizations create value in dynamic business environments. Previous studies have reported positive relationships between sustainability reporting, intellectual capital, and firm value, but these constructs have largely been examined independently, providing limited explanation of how sustainability-related and knowledge-based resources interact through innovation. This study addresses this gap by proposing a conceptual framework that positions innovation performance as the strategic mechanism linking sustainability reporting and intellectual capital to organizational value creation. Using a theoretical research approach, the study integrates Stakeholder Theory, Legitimacy Theory, the Resource-Based View, and Dynamic Capabilities Theory through a structured literature review. The study’s conceptual novelty lies in presenting a theoretically integrated value-creation framework explaining how sustainability reporting and intellectual capital jointly enhance sustainable organizational value through innovation performance. By moving beyond the direct relationship perspective adopted in prior research, the proposed framework offers a mechanism-based explanation of how sustainability-related and knowledge-based resources are transformed into innovation capabilities that ultimately generate sustainable organizational value, providing directions for future empirical research and managerial practice.

Research of Finance and Banking

The Impact of Security, Convenience, and Digital Promotion on Gen Z’s Islamic Banking Interest

A Conceptual Framework for Value Creation through Sustainability Reporting and Intellectual Capital