Abstract

This study analyzes the influence of financial literacy, financial inclusion, and brand image on the use of digital Islamic banking services at Bank NTB Syariah. The approach used used is a quantitative method with survey techniques, where data is collected through questionnaire of 100 respondents who chosen with snowball sampling technique. SPSS was used to do multiple linear regression analysis on data. The study's findings reveal that financial inclusion and brand image have a substantial impact on the utilization of digital services. Banking sharia has no discernible effect, whereas financial literacy does. The F test indicates that the three variables simultaneously affect the use of digital services. The k value efficiency determination (R²) of 68.6% shows that the independent variables can explain variations in the use of digital Islamic banking services.

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