Islamic Banking Services Research Articles

Customer’s Responses to Changes in Islamic Banking Service Post Covid-19 Pandemic in Indonesia

This research focuses on identifying customers' responses to the changes that limit direct service and implementing online-based Islamic banking services. This study uses a mix-method approach and results of interviews with Islamic bank staff and questionnaires to 260 respondents, showed that the changes that accommodate Covid-19 protocol in CARTER were received positively by customers as a form of empathy and response to their complaints. It also emphasizes that the pandemic is not an entirely negative phenomenon. Instead, it gives momentum for business development through a transformation toward the digital banking services that trend in financial business.

What drives to adopt Islamic banking products and services: is it shariah compliance or convenience?

Purpose The main issue is whether customers prefer convenience over Shariah compliance or the opposite when they decide their Islamic banking needs. The purpose of this paper is to explore why customers adopt Islamic banking products and services: Shariah compliance or convenience? Design/methodology/approach Using convenience sampling, 310 respondents’ data were collected through online survey. For testing the fit and hypotheses of the proposed model, AMOS 25 software and Smart-PLS 4.0 software have been used. Findings Attitude, Islamic value and convenience have significant determinants of Islamic banking products and services. Shariah compliance has no direct or indirect influence on neither intention nor actual behaviour to adopt Islamic banking services. Furthermore, gender has no such differential effect on the adoption. Practical implications Managers and marketers of Islamic banks may benefit from the findings of this study, which demonstrate fresh insights regarding the factors which help in strategy formulations to promote Islamic banking services. Originality/value The growth of Islamic banks, branches and windows is remarkable in both Muslim-majority and Muslim-minority countries in the world. This paper postulates the behavioural finance studies in Islamic banking and finance research stream by extending the theory of planned behaviour of Ajzen (1985) as all the three new constructs (Islamic value, convenienc and Shariah compliance) are statistically fit for further studies. However, only Islamic value and convenience are the two significant factors which drive customers to take decision in the proposed model. This study gives insights to the bankers and authority about the consumer behaviour.

The Innovation of Products and Services of Islamic Banks in Indonesia: the Optimal Role of Sharia Supervisory Board in The Industry 5.0 Era

The innovation of banking products and services has seen significant growth. However, the pace of innovation in product and service offerings within Islamic banking has been comparatively slower. Make it a challenge for Islamic banking, particularly the Sharia Supervisory Board (SSB), to fulfill a dynamic role. The research aims to enhance the role of the SSB in encouraging innovation in Islamic banks, particularly in the context of the industrial era 5.0. The study employs a qualitative method with ethnographic techniques, including observations and interviews with stakeholders such as the SSB, Islamic bank employees, customers, and academics. The research findings indicate that the performance of Islamic banking has improved, but it needs to be more innovative to compete in the industrial era 5.0. This can be achieved by increasing the development of products and services, such as e-money, that have high bargaining power. The role of the SSB in Islamic banking must be more optimal, involving improving the quality and quantity of human resources, issuing opinions on needed products and services, conducting continuous monitoring, and strengthening detailed supervision. Furthermore, SSB and Islamic banking must synergize with each other in improving products and services to remain competitive in the industrial era 5.0. The study concluded that the optimal role of SSB plays an important role in driving innovation in Islamic banking.

Should Islamic Window be converted into a Full-Fledge Islamic Bank? A case study in Indonesia

Research Originality: This research provides fresh perspectives on the future landscape of Islamic banking, particularly concerning the Islamic window. The paper stands out for its originality as it undertakes an empirical study utilizing a mixed method. This study is also expected to answer the research gap between literature studies, empirical studies, and implemented policies. Additionally, it is driven by the objective of contributing to the existing literature on Islamic finance.Research Objectives: This study dives into whether converting Islamic Business Units (UUS) into full-fledged Islamic Banks (BUS) leads to performance enhancement.Research Methods: There are two types of data analysis methods, namely qualitative and quantitative. The qualitative analysis method comes from a collection of literature reviews and institutional opinions from Islamic banking experts in the world. This study employs a multi-pronged quantitative approach to investigate the performance and consumer perception of Islamic banking services with an emphasis on UUS and BUS.Empirical Result: The results indicate that UUS and BUS structures adhere to Sharia principles and achieve commendable performance. However, analysis of financial reports across many countries, including Indonesia, shows that UUS's financial performance is generally better than BUS. The research further emphasizes that internal factors like capital adequacy, asset quality, and management capabilities, rather than the institutional structure itself, hold greater sway in driving performance improvement. Forced conversion of UUS could even hinder overall progress. Implications: Beyond financial considerations, the study explores consumer behavior through surveys with educated individuals. The results indicate that their choice between BUS and UUS products is guided by practical factors such as financial returns, costs, and service reliability offered by each structure. JEL Classification: G21, G28 How to Cite:Abimanyu, A., & At Tamimi, R. A. (2024). Should Islamic Window be Converted into a Full-Fledge Islamic Bank? A Case Study in Indonesia. Etikonomi, 23(1), 183 – 200. https://doi.org/10.15408/etk.v23i1.35082.

Antecedents of Muslim Students' Decisions to Use Islamic Digital Banks

The primary objective of this research is to examine the many elements that influence the decision-making process of Muslim students when it comes to utilizing Islamic digital banking services. This study explains the Theory of Planned Behavior (TPB), specifically focusing on the constructs of attitude, subjective norm, and perceived behavioral control, in addition to supplementary exogenous variables, digital marketing, brand image, and digital financial literacy, and the intention to use. This research uses a quantitative Structural Equation Model (SEM) approach. The data collection technique used questionnaires distributed online to respondents, namely Muslim students who live in Solo Raya, and a total of 384 respondents participated. The findings indicated that each exogenous variable exhibited a statistically significant impact on the intention to use; Intention to use proved influential in Muslim students' decision to use Islamic digital banks. Perceived behavioral control, brand image, and digital financial literacy significantly affect Muslim students' decision to use Islamic digital banks. In contrast, attitudes, subjective norms, and digital marketing are not substantial on the decision of Muslim students to use Islamic digital banks. Intention mediates the indirect influence of exogenous variables on Muslim students' decisions to use Islamic digital banks.Keywords:Islamic Digital Banks, Muslim Students’ Decisions, Intention to Use, Attitude, Subjective Norm, Perceived Behavioral Control, Digital Marketing, Brand Image, Digital Financial Literacy

The Influence Of Marketing Mix And Brand Awareness On Banking Customers' Interest In Using Home Ownership Credit Services

The purpose of this study is to ascertain whether social influence, brand awareness, and sharia marketing mix influence the choice of sharia house ownership financing. Customers who select Sharia KPR items make up the research population. Purposive sampling was the method of sampling employed by the researchers. 100 persons were chosen as the sample size by the researchers. In this study, a questionnaire was utilized as an instrument by the researcher to collect the required data. In this study, the researcher used a quantitative research methodology. data interpretation and analysis with SPSS 23.0 software. The analysis results indicate that the three variables studied, namely social, brand awareness, and sharia marketing mix, significantly influence the decision process for selecting sharia bank customers. Brand awareness also has a significant effect, with a significance level of 0.000. Likewise, the sharia marketing mix variable also has a significant impact. In addition, the F test results show that simultaneously, social variables, brand awareness, and the sharia marketing mix have a significant influence on the decision process for selecting sharia bank customers, as evidenced by the F value of 35.5. These findings illustrate that the combination of these factors as a whole has a strong role in shaping customer preferences for Islamic banking products or services. The author suggests that future research add other variables so that this research can further develop for the academic world in the future. So in this case, it is hoped that the bank needs to understand the social conditions of the target market as a form of marketing research to win the sharia banking market share. Can increase brand awareness in the community to win market share.

Unveiling the Determinants of Islamic Mobile Banking Adoption: Evidence from Pakistan

Mobile Banking is a cutting-edge technological innovation in the banking industry that has greatly increased banking efficiency and boosted the overall quality of life for individuals. Financial firms are increasingly attracted to systems that enhance the quality of client service. This study aims to further our understanding of the adoption of Islamic mobile banking by utilizing the Technological Acceptance Model (TAM). This study presents a research approach that utilizes the Technology Acceptance Model (TAM) to investigate the factors that influence consumers' adoption of Islamic mobile banking. Consequently, it offers insights into the crucial factors that banking professionals must take into account to promote the integration of mobile technology in Islamic banking services. The data for this study were collected by a questionnaire survey and then analyzed using SPSS and Smart PLS 3.0, utilizing structural equation modeling (SEM). The study sample comprised 350 individuals who were customers of various branches of five Islamic banks, namely Meezan Bank Limited, Dubai Islamic Bank, Al-Baraka Bank Limited, MCB Islamic Bank Limited, and Bank AlFalah Islamic. After conducting data screening procedures, a final sample of 300 respondents was selected for analysis. The findings indicate that characteristics such as Perceived Usefulness (PU) and Perceived Ease of Use (PEOU) have a positive influence on the Intention to Use (INT), supporting the notion that PU has a positive impact on PEOU according to the Technology Acceptance Model (TAM). The research findings suggest that customers' adoption of Islamic banking is positively influenced by their intentions to utilize it, and these intentions are further enhanced by social influence.

Persepsi nasabah tentang kepuasan dan loyalitas terhadap kualitas layanan di BMT Sukosari

BMT is one form of microfinance institution in Indonesia, this institution is present to develop productive businesses of small and medium economic actors and improve the economic quality of the community in the context of poverty alleviation efforts and support the financing of economic activities, this study aims to determine customer perceptions of the quality of Islamic banking services, investigate the perceptions of Islamic bank users in Sukosari and the reasons they are interested or not Using Islamic banking whether because of sharia considerations or quality. The data collection technique was carried out by distributing questionnaires to 60 BMT Sukosari customers. The sampling technique uses purposive sampling. This research is a quantitative research with multiple linear regression data analysis tools with the help of SPSS software version 15.0. The results of this study show that there is a positive and significant influence of customer satisfaction and customer loyalty simultaneously on customer perceptions regarding the quality of service KSPSS BMT Sukosari Branch. Based on the results of simultaneous tests obtained fcalculate values of 46.349 > ftable 3.16 with significant results less than 0.005, which means proving Ha3 is accepted and HO3 is rejected. The results of the coefficient of determination (R2) test with an Adjusted R Square (R2) value of 0.606 or (60.6%) mean that the variables of customer satisfaction and customer loyalty have a significant effect on the perception of service quality of KSPSS BMT Sukosari Branch

Pengaruh Literasi Keuangan Terhadap Minat Pemilihan Produk Perbankan Syariah Di Kalangan Mahasiswa

The choice of Islamic banking products among students is becoming an increasingly interesting issue in the development of the Islamic banking sector. The younger generation, including students, has a crucial role in shaping the future direction of Islamic banking. An important factor that is believed to influence the decision to choose Islamic banking products by students is the level of financial literacy. This study aims to investigate the effect of financial literacy on the interest in choosing Islamic banking products among university students. The survey method through questionnaires was used on 68 respondents of Islamic banking study program students. The results showed that the thitung value was 25.181 > ttabel 2.000 and it was found that the fhitung value exceeded the ftabel value, which was 634.100 > 3.986, with a significance value of 0.000, which is smaller than the significance value of 0.05. From these results, Islamic financial literacy has a significant influence on the interest in choosing Islamic banking products among students. The coefficient of determination reached 90.4%, indicating a strong influence. Support from religious aspects is also important in the selection of Islamic banking products, by Islamic principles that emphasize fairness and understanding in transactions. This study is consistent with previous findings by Nahla Zamharira et al. (2021), which also shows that Islamic financial literacy has a significant impact on students' decisions to utilize Islamic banking services. In conclusion, the higher the Islamic financial literacy, the more interest in choosing Islamic banking products in college students.

In Pakistan, the Choice of Requirements for Islamic Easy House Financing by Meezan Bank

Islamic Easy House Financing (IEHF) increased from RS. 6.8 billion to RS 23.3 billion over 10 years. Identifying the factors that affect the satisfaction of both Muslim and non-Muslim clients with Islamic Easy House Financing (IEHF) is significant. This research then considers the major variables that impact Pakistan's choice of Islamic Easy House Finance (IEHF). Questionnaires were distributed to 160 employees of Meezan Islamic Bank. The current study employed a testing strategy called random sampling. The questionnaire was divided into two segments. One segment included data about the segments, while the other segment focused on the factors that influence how Muslims finance their Islamic Easy House (IEHF). The results demonstrate that several significant variables impact the choice of Islamic Easy House Financing (IEHF), including circumstances, management quality, integrity, prominence in the media, and social impact. The most reliable indication is reputation, as most customers feel comfortable choosing Islamic Easy House Finance (IEHF) because Islamic Meezan Bank has a strong reputation and vision. The study needs to be completely structured. The focus also refers to representatives of a single financial institution. Future research may involve personnel from various Islamic financial institutions. Policymakers and directors could use the tests suggested in the current study as a guide for enhancing Islamic Meezan Bank products and services. There will be an article published on Pakistan's Meezan Islamic Bank as part of the study. This research is the first to examine Pakistan's easy-house-choice Shari'ah laws. For experts and scholars concerned about advancements in Pakistan's Meezan Islamic Bank's banking sector, the findings made throughout this research process will be of the utmost importance.

The influence of islamic banking digital service quality on intention to continue using islamic banking: a case of Indonesia

Research aims: Technological advances impact every aspect of daily life, including in Islamic banking. To keep its customers, the Islamic banking industry continues improving the quality of its digital services. Using the DBSQual model, this research aims to examine the quality of Islamic banking digital services, which encompasses seven dimensions: application architecture, application efficiency, responsiveness, user-friendliness, security, reliability, and personalization, towards the intention to continue using Islamic banking.Design/Methodology/Approach: The population of this research was Islamic bank customers in Indonesia. The sample was then selected based on the criteria of Islamic bank customers using mobile banking services. Data collection was carried out by distributing questionnaires developed from previous research. To validate the questionnaire, consultations were conducted with four survey accounting experts. Also, a pilot study was performed. Hypothesis testing was then done using the Structural Equation Modelling technique based on Partial Least Square (PLS-SEM).Research findings: The results demonstrated that three dimensions of digital service quality significantly influenced the intention to continue using Islamic banks, namely application efficiency, security, and reliability. Meanwhile, the dimensions of application architecture and responsiveness had no effect.Theoretical contribution/Originality: This study covers the gap related to empirical studies that examine the role of digital service quality development on intentions to continue using Islamic banking services.

Halal In The Contemporary Economic And Business Ecosystem

The increase in population will certainly increase the demand for halal products and services significantly. With this achievement where Indonesia is in the top five with a strong Islamic economic ecosystem and supported by a majority Muslim population, Indonesia can become a leading country in all sectors in the country's halal industry (Nasution, 2020).The Islamic economic ecosystem in Indonesia continues to grow which includes the existence of UMKM that can become producers of halal products, Islamic finance which is marked by the growing contribution of Islamic entities, both Islamic financial institutions and Islamic non-financial institutions, innovations in technology, and related regulations with the halal industry. Indonesia is the first place for consumers of halal food products in the world. Indonesia is the country with the largest Muslim population, reaching 209.1 million people or 87.2 percent of the total population of Indonesia (Mubarok & Imam, 2020). Objective: prevention of aspects of sharia obstacles in the financial aspect, MSME aspects, digitalization aspects, product quality, and regulatory aspects in realizing the strengthening of the halal industrial ecosystem? Indonesia, the world's most populous Muslim country, is a gold mine for the halal market with the potential to become not only a major market but also a major producer of halal products. Islamic finance in Indonesia has developed more than the banking sector, but also non-banking products have featured in baitul mal wa tamwil (community-based Islamic financial institutions), Islamic insurance, Islamic microfinancing, Islamic pawnshops and Islamic venture capital. The Islamic banking service has almost all complied with sharia principles as most Islamic banking products are dominated by murabahah (sales contracts). There is still a small number of Islamic banks in Indonesia which causes Islamic banks to not reach remote areas (Samsul, 2022). There is still a lack of Sharia banking education for the "lower class" people who incidentally play an important role in the UMKM sector Islamic banks are less active in financing. This can be seen from the still-difficult process of managing and applying for financing in Islamic banks. Aspects of Islamic Financial Innovation (Sharia Bank) Towards Competitive Advantage The role of Islamic banking is to become a reference through strategies and policies related to financing that will be channelled to consumers. Likewise, socialization for UMKM entrepreneurs, especially those engaged in the halal industry, both goods and services. Islamic bank strategy to enter the village as a place that has the potential to become halal tourism: Islamic banks must optimize internal and external resources. Finally, through a branchless banking system UMKM & Halal Industry in the Digital Economy Era, Challenges and Obstacles to UMKM Aspects in Strengthening the Halal Industry Ecosystem. Lack of understanding so that this is not optimal and has not been able to become a superior product in the midst of society.

The influence of some fintech service on the performance of Islamic bank in Jordan

Islamic banking across the developing countries may undoubtedly become more prevalent thanks to financial technology, making it more competitive in the financial sector. The current study's goal is to extensively address fintech on Islamic banks and to examine the effect of fintech Services upon Islamic banking financial performance around Jordan. The investigation utilized a quantitative-descriptive survey approach. The study utilized annual data (panel data) which were acquired via financial institutions figures of the annual statements from the Jordan's Islamic Bank (JIB) registered with Amman Stock Exchange from 2017 to 2021. This investigation found Fintech services, such as internet banking, mobile banking, crowdfunding, and automated teller machines had a substantial effect on JIB's financial performance. The positive beta value suggests that there were favorable relationships among JIB's financial success from 2017 to 2021 on Fintech services. Finally, the study recommends that JIB increase its efforts to inform the public concerning Islamic banking services.

Evaluating Customer Satisfaction with Islamic Online Banking Services in the Context of the COVID-19 Pandemic: Insights from Kuwait

Evaluating Customer Satisfaction with Islamic Online Banking Services in the Context of the COVID-19 Pandemic: Insights from Kuwait

Analisis Rendahnya Minat Masyarakat Menjadi Nasabah Bank Syariah Desa Mekarsari Kecamatan Kumpeh Kabupaten Muaro Jambi

The development of an institution cannot be separated from the role of the community it self. Apart from quality, the institution must also give priority to the community, consumert or customers to maintain the continuity of the institution or argency. The activities of Islamic banking institutions must be carried out as closely as possible in introducing the products and services offered by Islamic banking with the aim of increasing or even increasing public interest and trust. In connection with this research, this thesis aims to determine the lack of public interest in choosing Islamic banking products. This type of research is qualitaive research and the data collection techniques are observation, interviews and documentation. This research involved 30 respondents in Mekar Sari Village, Kumpeh districh, consisting of various professions. From the results of research conducted by researchers, 8 respondents stated that they were interested in Islamic banking , but only 3 respondents had used Islamic banking services, and the remaining 14 respondents were not interested and used conventional banking services, then 8 respondents did not respond because they assumed that Islamic banking and conventional bank are the same. Based on the data analysis from this research, the public understanding of Islamic banking are internal and external factors, including personality, motivation, attitudes, beliefs lifestyle, religion, experience, family, culture, society and service. Of these factors, the most dominant main factors are attitude and belief factors, personality factors and community factors themselves.

EXPLORING THE BANKERS’ PERSPECTIVES ON SHARIAH AND OPERATIONAL ISSUES OF RESTRUCTURING AND RESCHEDULING IN ISLAMIC FINANCING DURING COVID-19 PANDEMIC

The Central Bank of Malaysia ordered all banks to give an automatic six months moratorium or loan or financing deferment starting April, 1 2020 to their customers during the Covid-19 pandemic since many customers had difficulties paying their monthly financing obligations to banks. Thus, the objective of this paper is to explore the bankers’ perspectives on Shariah and operational issues arising in Islamic banks in implementing moratorium which involves restructuring and rescheduling financing facilities during Covid-19 pandemic. At the same time, the methods these bankers used to manage the issues are also highlighted in this paper. A qualitative analysis is applied in this paper where the researchers conducted interview sessions with the Head of Shariah Department from an Islamic banking window and another from the Development Financial Institution which offers Islamic banking products and services. This study's findings show that there are certain perspectives from bankers in dealing with Shariah issues regarding restructuring and rescheduling during moratorium such as the issue of qalb al-dayn (debt restructuring), capitalization of accrued profit in the financing facilities as well as the operational issues related to the system and people. It can be deduced then that all Islamic banks were doing extremely well in their steadfast endeavors towards offering remedies to the issues faced for the sake of the overall improvement of Islamic banks in the implementation of restructuring and rescheduling of financing facilities as outlined by guidelines or Resolutions issued by the Shariah Advisory Council of Bank Negara Malaysia.

The Role of Customer Intention Regarding Environmentally Sustainable Islamic Banking in Indonesia: Examining the Structural Model

Environmental degradation is a global concern for businesses, requiring consistent effort to maintain sustainable environmental practices. Environmental sustainability is a crucial issue of concern to everyone, an increasing proportion of people are paying attention to various environmental issues in all parts of their lives, including in the context of Islamic banking. This research aims to develop and test a contextual framework for studying customer intentions in adopting sustainability Islamic banking activities and services. The study uses the Theory of Planned Behavior (TPB) model, adding new constructs to the main variables, such as trust, environmental consciousness, and perceived environmental outcomes. The survey collected data from 198 customers of Islamic banks in Indonesia, with the PLS-SEM modeling technique used to test the research model. The results show that perceived behavioral control is a significant influence on behavioral intentions, while attitude and subjective norms have no significant effect on behavioural intentions. Environmental consciousness significantly affects perceived environmental outcomes, which, in turn, significantly affect trust as well as behavioural intentions. Other statistical results find that environmental consciousness can affect behavioral intentions when mediated by perceived environmental outcomes. Overall, this study has theoretical and managerial implications and offers directions for future research on environmentally sustainable Islamic banking.

The merger of three state owned shariah bank in Padangsidimpuan

Abstract
 Purpose - The objective of this study is to identify the positive and negative impacts of the merger of Islamic banks on the community or customers and employees of Islamic banks in Kota Padangsidimpuan.
 Method - To address this issue, this study employed a qualitative descriptive method. Data collection for this study used the interview technique. This study involved 15 informants from the local community and 5 informants of bank employees.
 Results - The merger of Islamic banks in Kota Padangsidimpuan brought both advantages and challenges for the community and bank employees. On the bright side, the merger expanded the reach of Islamic banking services, which projected there are more people could now access essential financial products and services like savings accounts, loans, and investments. This potentially boosted financial inclusion and economic activity in the city. The merger also enhanced job security for employees, by becoming part of a larger, state-owned enterprise like Bank Syariah Indonesia (BSI), the employees gained stability and potential career advancement opportunities. However, there were also some shortcomings, the merger led to the limited access to physical banking infrastructure: The lack of new ATMs and branch offices following the merger might have inconvenienced some customers, especially those in remote areas. In addition, it adjusted the period for employees, which adapting to new systems and regulations after the merger could have been challenging for some employees, requiring additional training and support. Overall, the merger's impact was mixed. While it provided broader access to Islamic banking and job security for employees, it also highlighted the need for further expansion of physical banking infrastructure and support for employees during transitions. Addressing these challenges could help maximize the positive outcomes of the merger for the community and bank employees in Kota Padangsidimpuan.
 Limitation – The generalizability of the findings may be limited due to the study's focus on a single merged Islamic bank in one city.
 Practical Implicative - The consolidation of three Islamic banks marks a significant step in enhancing Sharia-compliant financial services. This merger has the potential to benefit both the community and the national economy. By uniting resources and expertise, the new entity offer a wider range of Sharia-approved products and services, catering to the specific needs of the community while also contributing to broader societal well-being and economic development.

PERSEPSI MASYARAKAT TERHADAP BAGI HASIL BANK SYARIAH (STUDI KASUS DI DESA SEDERHANA PERDAGANGAN II)

Many people think that profit sharing is the same as conventional bank interest. The purpose of this study was to determine the perception of the Sederhana Village community towards the Islamic bank profit sharing system. This type of research uses a qualitative approach and collects data from the people of Sederhana village by using library materials (library survey). Data collection methods are observation and interview. The data analysis method is by reducing the data and presenting the data to draw conclusions. The knowledge of the Sederhana village community regarding benefit sharing is still relatively low. This is because, in addition to never having been an Islamic bank customer, this community also admits the lack of information and socialization related to this profit sharing. This lack of understanding is one of the factors that influence the perception of most people in Sederhana Village, so they still assume or suspect that profit sharing and conventional bank interest are not much different in the use of Islamic banking services and services.

Analisis Pengetahuan Generasi Milenial Non Muslim Terhadap Bank Syariah di Kota Solo

This study aims to determine the knowledge level of non-Muslim millennial generation towards Islamic banks in Solo City. This type of research uses a qualitative methode with the Accidental Sampling technique by interviews with 8 non-Muslim millennial generation respondents. The results of this study, for the first category of knowledge about the existence of Islamic banks, 88% non-Muslim millennial generation knows about the existence of Islamic banks. The second and third category is about operations and the product of Islamic bank has same result above 63 % of non-Muslim millennial generation does not know the operations products and services provided by Islamic banks of Islamic banks. The fourth category about the differences between conventional banks and Islamic banks, only 50% of the non-Muslim millennial generation know about it. The existence of Islamic banks that are universal is not generally known by the non-Muslim millennial generation even its in a big City. Non-Muslim millennials think that knowledge of Islamic banks is only limited to sharia labels without knowing about the operations, products and services of Islamic banks.