DIGITALISASI DAN LITERASI EKONOMI SYARIAH DI KALANGAN GENERASI Z INDONESIA: TINJAUAN LITERATUR SISTEMATIS
DOI:
https://doi.org/10.51476/bzggdj68Keywords:
Digital Economy, Digitalization, Generation Z, Islamic Economic Literacy, Islamic Financial Literacy, Islamic FintechAbstract
Digitalization plays an important role in shaping Islamic economic knowledge, financial behavior, and Muslim Generation Z participation in Islamic digital financial services in Indonesia. The application of digitalization and Islamic economic literacy is increasingly important to support the achievement of Islamic economic development goals. This study aims to analyze the application of digitalization and Islamic economic literacy in various Islamic financial products and services. The method used is Systematic Literature Review by reviewing a number of relevant scientific articles. The results show that Islamic fintech, Islamic digital banking, social media, and digital waqf contribute significantly to increasing Islamic economic literacy. In addition, Islamic financial literacy, digital literacy, religiosity, family support, and education are the main factors influencing Generation Z's digital Islamic financial behavior. It is concluded that digitalization has a strategic role in increasing Islamic economic literacy and encouraging the use of digital Islamic financial services, so that strengthening digital and Islamic economic literacy needs to be a concern for various stakeholders.
References
Abubakar Munir. (2025). EDITORIAL THE PRISMA 2020 STATEMENT: A Comprehensive Guideline For Systematic Review-Based Perspectives. International Journal of Pharmacy & Integrated Health Sciences, 6(2), 1-3. https://doi.org/10.56536/ijpihs.v6i2.304
Aflaha, V. A. (2025). Pengaruh Literasi Keuangan, Pembelajaran Keuangan, dan Media Sosial Terhadap Perilaku Keuangan Gen Z . RIGGS: Journal of Artificial Intelligence and Digital Business, 4(2), 4494–4502. https://doi.org/10.31004/riggs.v4i2.1260
Ahmad KA, Jalil AA, Darpen MH, Ismail FH, Osman MNA. Living Qur'an and Hadith in Contemporary Muslim Scholarship: A Systematic Literature Review of Takhrij Practices and Ahkam Hadith Analysis. Int J Drug Deliv Technol. 2026;16(9s): 68-84, doi:10.25258/ijddt.16.9s.8
Aji, R. H. S., Aravik, H., & Tohir, A. (2026). Muslimpreneurship in Indonesia's Digital Era: Opportunities, Challenges, and Strategies for Developing Islamic Value-Based Businesses. Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah, 11(2), 349–370. https://doi.org/10.36908/esha.v11i2.1877
Alimusa, L. O., Ratnasari, R. T., Osman, I., Hendratmi, A., Hasib, F. F., & Syaifullah, S. (2025). Revisiting the literature of halal and Islamic marketing: A bibliometric review and future directions. Journal of Islamic Accounting and Business Research. Advance online publication. https://doi.org/10.1108/JIABR-03-2025-0144
Alrasyid, H., Rabbani, M. R., & Afifudin, A. (2023). Embracing the digital economy: Exploring the role of trust, perceived ease of use, and religiosity on intention to use Islamic peer-to-peer lending. JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen, 20(2). https://doi.org/10.31106/jema.v20i2.9097
Amrul. (2025). Transformasi Pendidikan Keuangan Syariah terhadap Literasi Masyarakat di Era Digital. Sipakainge: Inovasi Penelitian, Karya Ilmiah dan Pengembangan, 3(Edisi Spesial: Perbankan), 151–173. https://doi.org/10.35905/sipakainge.v3i7.14343
Anorawi, N. B. (2026). Literasi keuangan syariah generasi Z: Studi tentang pemahaman dan penerapan dalam investasi syariah. Journal of Social and Economics Research, 8(1), 145–156. https://doi.org/10.54783/jser.v8i1.1449
Anwar M.M (2025). "How digital financial literacy and social media usage build saving behavior among Generation Z". Asia-Pacific Journal of Business Administration, Vol. ahead-of-print No. ahead-of-print. https://doi.org/10.1108/APJBA-04-2025-0329
Azizah, U., Mardani, R. M., & Nurhidayah, N. (2025). The Effect of Increasing Digitalization of Islamic Banking and Digital Financial Literacy on Generation-Z Saving Behavior at Islamic Banks with the Mediating Role of Halal Lifestyle. Electronic Journal of Education, Social Economics and Technology, 6(1), 996-1006. https://doi.org/10.33122/ejeset.v6i1.975
Azzahra, A. F., & Putri, J. (2025). Peran Prinsip Syariah dalam Meningkatkan Literasi Finansial Masyarakat Muslim di Era Transformasi Digital. Jurnal Ekonomi Syariah.
Brennan, Sue. E. Munn, Zachary. PRISMA 2020: a reporting guideline for the next generation of systematic reviews. JBI Evidence Synthesis 19(5):p 906-908, May 2021. DOI: 10.11124/JBIES-21-00112
Budiman, P., Siregar, F. A., & Nurjanah. (2026). Gamification-Based Sharia Personal Financial Management: An Innovation to Improve Financial Literacy and Behavior of the Younger Generation. Al-Kharaj: Journal of Islamic Economic and Business, 8(1). https://doi.org/10.24256/kharaj.v8i1.9015
Canggih, C., Mawardi, I., Johan, Z. J., & Timur, Y. P. (2025). Digital Transformation of Islamic Endowments (Waqf): What Appeals to Generation Z in e-Cash Waqf? Journal of Information Systems Engineering and Business Intelligence, 11(3), 337–352. https://doi.org/10.20473/jisebi.11.3.337-352
Dhiya Ulhaq, M. D., Misbakhuzzein, H., & Selasi, D. (2026). Challenges and Opportunities In Strengthening Sharia Financial Literacy In The Digital Era Towards Investment Interest Of The Millennial Generation: A Literature Review. Proceedings International Conference of Bunga Bangsa, 4(1), 222–232. https://journal.ljpi.bbc.ac.id/index.php/icobba/article/view/507, DOI: 10.47453.
Dirie, K. A., Alam, M. M., & Maamor, S. (2024). Islamic social finance for achieving sustainable development goals: a systematic literature review and future research agenda. International Journal of Ethics and Systems, 40(4), 676-698. https://doi.org/10.1108/IJOES-12-2022-0317
Dwi Nugraha, Y., Permana, R. M. T., Saraswati, N., Gumelar, E. T., Rohandi, M. M. A., & Wirayudha, A. (2026). Barriers, literacy and well-being in sharia digital banking adoption: A structural model with gender-based multi-group analysis. Journal of Islamic Accounting and Business Research. Advance online publication. https://doi.org/10.1108/JIABR-11-2025-0834
Fajri, F. N., & Wibowo, H. (2026). Social Media Trends in Learning Islamic Religious Education in the Era of Society 5.0. Jurnal Pendidikan Islam, 16(1), 107–121. DOI: 10.38073/jpi.4009
Findartika, L. D., & Adiba, E. M. (2026). The impact of love of money and Islamic financial literacy on Muslims’ financial self-management in East Java. Journal of Islamic Economic Laws, 9(1), 195–223. https://doi.org/10.23917/jisel.v9i01.15159
Gafur, A., Jubaedah, S., & Apriandi, A. (2023). Implementasi Literasi Keuangan Islam Berbasis Financial Socialization untuk Mendukung Industri Keuangan Syariah. Eduscotech, 4(1). https://doi.org/10.XXXX/eduscotech.xxxx.xxx
Hajijah, H., Atika, & Bi Rahmani, N. A. (2025). Exploring Digital Faith Practices: The Effectiveness of Muamalat DIN Mobile Banking Among Generation Z at Serdang Branch. Jurnal Ilmiah Mahasiswa Raushan Fikr, 14(1). DOI:10.24090/jimrf.v14i1.13612
Hayati, F. K., & Pertiwi, R. R. (2025). Sharia Financial Literacy in the Digital Era: The Role of the Younger Generation in Embracing the Transformation of Islamic Finance. Suhuf, 37(2). https://doi.org/10.23917/suhuf.v37i2.11170
Hazudin, S. F. (2025). Digital financial literacy: Insights from bibliometric review based on SPAR-4-SLR ADO model and future research direction. https://doi.org/10.47836/pjssh.34.S1.03
Hidayati, A. N., & Warsitasari, W. D. (2025). The Mediating Role of Financial Literacy between FinTech and Sharia Stock Investment among Gen Z in Indonesia. Share: Jurnal Ekonomi dan Keuangan Islam, 14(2), 963–975. https://doi.org/10.22373/share.32197
Humayra, T. A. (2025). Developing Qur'an-Based Islamic Financial Literacy: A Digital Educational Game Innovation for Generation Z. Unisia, 43(2). https://doi.org/10.20885/unisia.vol43.iss2.art15
Ibrahim, N., & Mohd Sapian, S. (2023). Factors influencing customers’ selection of Islamic home financing: A systematic review. International Journal of Housing Markets and Analysis, 16(1), 59–84. https://doi.org/10.1108/IJHMA-09-2021-0108
Johari, E., Azis, I., & Capriyanti, O. (2025). Factors Determining Sharia Financial Literacy among Generation Z: The Role of Social Media and Technology. Nuansa: Jurnal Studi Islam dan Kemasyarakatan, 18(2).
Juisin, H. A., & Amin, H. (2026). Consumer behaviour theories in Islamic finance research: A bibliometric analysis. Journal of Islamic Accounting and Business Research. Advance online publication. https://doi.org/10.1108/JIABR-09-2025-0581
Kurniawati, R., Zakaria, A., & Fauzi, A. (2025). Exploring Generation Z’s intention to adopt digital Islamic banking services: The role of Islamic financial literacy. Veredas do Direito, 22(3), e223472. https://doi.org/10.18623/rvd.v22.n3.3472
Kurniawati, Y., Yonesha, P., & Puteri, H. E. (2025). Shari'ah Fintech and Digital Economic Transformation: An Innovative Strategy to Reduce Gen Z Unemployment. GIC Proceeding, 3(1), 163–168. https://doi.org/10.30983/gic.v3i1.857
Mahmoud, M. A., Ma’aji, M. M., Abdullahi, M. S., Karaye, A. B., & Garba, A. S. (2025). Factors influencing the Islamic fintech acceptance: Moderating role of Islamic financial literacy. Journal of Islamic Accounting and Business Research. Advance online publication. http://dx.doi.org/10.1108/JIABR-08-2024-0322
Mawardi, F. D., Oktavendi, T. W., & Zakaria, A. (2025). Sharia Pay Later Innovation in the Eyes of Generation Z: Does Brand Awareness Mediate the Effect of Sharia Religiosity and Financial Literacy on Trust? TIJAB (The International Journal of Applied Business), 9(2), 244–258. https://doi.org/10.20473/tijab.v9.I2.2025.48592
Meiryani. (2024). Islamic accounting research for upcoming research agenda. Journal of Islamic Accounting and Business Research. https://doi.org/10.1108/JIABR-10-2023-0332
Muhaimin M, Pabbajah M, Larasati YG, Sukarni S, Sagir A, Zaidah Y (2026;), "Exploring the paradox of in-existence in Islamic banking in Indonesia: institutional, perceptual and digital dimensions". Journal of Islamic Marketing, Vol. ahead-of-print No. ahead-of-print. https://doi.org/10.1108/JIMA-10-2024-0454
Musnadi, S., Sofyan, S., Zuraida, Z., & Agustina, M. (2025). Enhancing financial literacy through fintech: A study on Aceh’s millennials with gender and education as moderators. Iranian Economic Review, 29(2), 527–556. https://doi.org/10.22059/ier.2025.102845
Nadzirah Mohd, S., Ram Al Jaffri, S., Rufaidah Mat, N., & Amirah Binti, J. (2026). Sustainable strategies for asnaf entrepreneurship: A systematic literature review. Journal of Islamic Accounting and Business Research. Advance online publication. https://doi.org/10.1108/JIABR-04-2025-0228
Nuhic-Meskovic, M., Hassan, M. K., & Meskovic, A. (2026). Islamic FinTech: A systematic literature review of trends and research gaps. Journal of Islamic Marketing. 1–33, https://doi.org/10.1108/jima-10-2025-0662.
Nuradi, Tanjung, H., Huda, N., & Supriyanto, T. (2026). Integrating religiosity into the UTAUT framework: Explaining Muslim youth’s intention to adopt digital cash waqf. Journal of Business Management and Economic Development, 4(1). DOI:10.59653/jbmed.v4i01.2308
Otoritas Jasa Keuangan. (2024). Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) 2024. Diakses tanggal 15 Juni 2026, dalam https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/Pages/Survei-Nasional-Literasi-dan-Inklusi-Keuangan-(SNLIK)-2024.aspx .
Page, M. J., McKenzie, J. E., Bossuyt, P. M., Boutron, I., Hoffmann, T. C., Mulrow, C. D., Shamseer, L., Tetzlaff, J. M., Akl, E. A., Brennan, S. E., Chou, R., Glanville, J., Grimshaw, J. M., Hróbjartsson, A., Lalu, M. M., Li, T., Loder, E. W., Mayo-Wilson, E., McDonald, S., ... Moher, D. (2021). The PRISMA 2020 statement: An updated guideline for reporting systematic reviews. BMJ, 372, n71. https://doi.org/10.1136/bmj.n71
Patrisia, D., & Abror, A. (2022). Literasi keuangan syariah pada generasi Z: Peran keluarga dan religiusitas. Jurnal Kajian Manajemen Bisnis, 11(1). https://doi.org/10.24036/jkmb.11687000
Prasetyo, G., Fauziah, Y. R., & Syafii, A. (2025). From policy to pedagogy: Religious moderation as a counter-radicalization strategy in Islamic education: A systematic literature review. Jurnal Pendidikan Islam, 14(2), 233–251. https://doi.org/10.14421/jpi.2025.142.233-251
Priyono, A. A., Saraswati, E., & Widarko, A. (2025). Islamic Values and Gen Z’s Investment Behavior in the Sharia Stock Market: Beyond Rationality. Munaddhomah: Jurnal Manajemen Pendidikan Islam, 7(1), 15–27. https://doi.org/10.31538/munaddhomah.v7i1.2298
Purnama Sari, D., & Haryono, S. (2025). Understanding the intentions of Indonesian millennials using sharia digital pawnshops to save gold: Expanding meta-UTAUT with perceived risk, security attitude and trust. Journal of Science and Technology Policy Management. Advance online publication. https://doi.org/10.1108/JSTPM-05-2024-0180
Qurrata, V. A., et al. (2025). Chatbot Jadi Sahabat Baru Gen Z, Dorong Inklusi Keuangan Syariah. Penelitian Universitas Negeri Malang. Diakses tanggal 11 Mei 2026, dalam dalam https://sustainability.um.ac.id/index.php/2025/10/13/chatbot-jadi-sahabat-baru-gen-z-dorong-inklusi-keuangan-syariah/.
Rahayu, R., Ali, S., Hidayah, R., & Aulia, A. (2024). Examining the role of family and social factors on Islamic financial literacy: Evidence from Indonesia. Journal of Islamic Marketing, 15(9), 2165–2180. https://doi.org/10.1108/JIMA-05-2022-0148
Rurianto, J. (2026). Inklusi digital 2026, dari sinyal ke pemberdayaan. Antara News. Diakses tanggal 19 Mei 2026, dalam https://www.antaranews.com/berita/5386242/inklusi-digital-2026-dari-sinyal-ke-pemberdayaan?page=all
RV, S., Annamalai, B., & Chandrasekaran, S. (2024). Consumer behavior in Islamic banking: a systematic literature review and agenda for future research. Journal of Islamic Marketing, 15(5), 1326-1349. https://doi.org/10.1108/jima-06-2023-0195
Salsabila, A., Saleh, S., & Rujikartawi, E. (2025). Peran Fintech Syariah dalam Mendorong Inklusi Keuangan pada Gen Z. Indo-Fintech Intellectuals: Journal of Economics and Business, 5(3), 5964–5978. https://doi.org/10.54373/ifijeb.v5i3.3641
Setianto, R. H. (2025). Financial Literacy, Planning Behavior, and Bank Choice: A Comparative Review of Islamic and Conventional Depositors. Journal of Management, Finance, and Policy. https://jwmfp.mfpc.org.my/
Setiawati, R., Wediawati, B., Amin, S., Junaidi, J., & Yacob, S. (2025). Islamic financial literacy among Indonesian students: An analysis of knowledge, attitudes, and behavior. Global Business and Finance Review, 30(9), 109–123. http://doi.org/10. 17549/gbfr.2025.30.9.109
Snyder, H. (2019). Literature review as a research methodology: An overview and guidelines. Journal of Business Research, 104, 333–339. https://doi.org/10.1016/j.jbusres.2019.07.039
Sugiarto, G. (2025). Optimalisasi Upaya Mengatasi Kesenjangan Digital di Wilayah Kepulauan Terpencil di Indonesia dalam Rangka Mendukung Transformasi Digital. Taskap, Lemhannas RI. Diakses tanggal 14 Mei 2026. Dalam https://perpustakaan.lemhannas.go.id/?p=542
Sumairi, Z. M., Shaarani, A. Z. M., & Habidin, N. F. (2025). Exploring factors influencing Islamic financial literacy and its implications for the financial well-being of Muslim Youth in Malaysia. Journal of Islamic, Social, Economics and Development, 10(72), 1–19. https://academicinspired.com/jised/article/view/2990
Syauqiyah, H. (2025). Edukasi dan literasi digital sebagai kunci pemahaman layanan BYOND BSI di kalangan nasabah. Maliki Interdisciplinary Journal, 3(11), 2067–2074. https://urj.uin-malang.ac.id/index.php/mij/article/view/18427
Trimulato, Rodoni, A., & Amelia, E. (2025). Financial Literacy to Islamic Boarding Schools in Indonesia: Systematic Literature Review VOS Viewer. Islamuna: Jurnal Studi Islam, 12(2), 133–157. https://doi.org/10.19105/islamuna.v12i2.21194
Wulansari, M., Rahmawari, A., Puspita, A. S., & Nurrahman, A. (2025). Keputusan menabung dan investasi Gen Z di bank syariah dilihat dari pengaruh digitalization, economic condition, dan sharia financial literacy. Jurnal Ekonomi dan Pendidikan, 22(1). https://doi.org/10.21831/jep.v22i1.85699
Yanti, Y. A., Ariani, Z., Hidayanti, N. F., Hulaimi, A., Dewi, N. Y. S., & Agustina, A. (2025). Digital Islamic Financial Literacy: A Bibliometric Analysis and Future Research Directions. Islamic International Conference on Education, Communication, and Economics, 1, 780–790. https://journal.ummat.ac.id/index.php/iicece/article/view/31249
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Wahyu Pramana
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
"Authors who publish with this journal agree to the following terms: Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License (CC BY-SA 4.0)."
