Pengaruh Digital Banking, Financial Self Control Dan Financial Mindfulness Terhadap Financial Behavior Dalam Perspektif Bisnis Islam (Studi Pada Nasabah BSI Kcp Bandar Lampung Kartini)

Abstract

This study aims to examine the influence of Digital Banking, Financial Self-Control, and Financial Mindfulness on the Financial Behavior of customers at BSI KCP Bandar Lampung Kartini from an Islamic Business perspective. This study employed a quantitative approach using a survey method involving 100 respondents selected through purposive sampling. Data were collected through questionnaires and analyzed using Partial Least Square-Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS 4.0. The results indicate that Digital Banking has a positive and significant effect on Financial Behavior. In contrast, Financial Self-Control does not have a significant effect, while Financial Mindfulness has a positive and significant effect on Financial Behavior. These findings indicate that the use of digital banking services and awareness in managing finances contribute to the development of better financial behavior. From an Islamic Business perspective, such behavior is consistent with the principles of trustworthiness, balance, and maslahah, as well as avoiding excessive use of wealth.