The Role of Religiosity, Service Quality and Financial Technology on Saving Intention among Students in Indonesia

Aims: This study intends to examine the influence of religiosity, service quality, and financial technology on saving intention.

Study Design: This study uses a quantitative descriptive method, which is a research design that is organized to provide a systematic description of scientific information derived from the subject or object of research. This study uses primary data obtained through a questionnaire in the form of a Google form. All questionnaire items in this study were measured on a Likert scale of 1 to 5. This study used a purposive sampling technique, where the sampling technique used by the researcher is in accordance with the characteristics that match the researcher.

Place of Study: The population is students of Universitas Muhammadiyah Purwokerto. The sample determination in this study is students who save at Islamic banks.

Methodology: This study refers to Roscoe's theory and decided to use 120 samples. Data processing with the SmartPLS 3 application uses the Structural Equation Modeling-Partial Least Square (SEM-PLS) technique. The hypothesis of this research is H1: Religiosity has a positive effect on saving intention, H2: Service quality has a positive effect on saving intention, and H3: Financial technology has a positive effect on saving intention.

Results: The finding indicates service quality and financial technology positively affect on Saving Intention, while religiosity does not affect on Saving Intention. However, this contradicts research by (Musyaffa and Iqbal, 2022; Maharani et al., 2021), which stated that service quality has no effect on saving Intention, research conducted by (Satriawan, 2022), which found that financial technology has no effect on Saving Intention, and research by (Ahmadi and Siswanto, 2023; Khofifah et al., 2023; Maryanto et al., 2022) which stated that religiosity has a positive effect on saving intention.

Conclusion: This research has theoretical and practical implications. Theoretical implications try to look deeper into how religiosity, service quality, and financial technology together influence students' Saving Intention in Islamic banks. For practical implications for Islamic banks, the results of this study can be a reference in increasing the number of customers and the quality of Islamic banks. The contribution of the study is useful for supporting the growth of Islamic finance and increasing its appeal to the younger generation.