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Abstract
This study analyzes the effect of product innovation and service innovation on the saving interest of the millennial generation at Bank Syariah Indonesia KCP Cemara Asri, Medan. The scope of the study focuses on millennial customers who are the primary target of Islamic banking services. This is a quantitative research using an associative approach. Primary data were collected through questionnaires distributed to 100 respondents using purposive sampling technique. The research instruments were tested for validity and reliability. Data analysis was conducted using multiple linear regression with SPSS version 21. The results showed that partially, product innovation had a significant effect on saving interest, as did service innovation, which positively contributes to increasing customer interest. The coefficient of determination (R²) value of 71.9% indicates that product and service innovation variables simultaneously explain the variability in saving interest. The conclusion of this study is that innovative strategies implemented by Islamic banks, both in terms of product development and digital service enhancement, significantly influence millennials' saving interest. These findings imply that Islamic banks need to continuously strengthen innovation elements to maintain and improve millennial customer loyalty in today’s digital era.
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References
- Fatkhul Wahab, M. I. (2025). REVOLUSI DIGITAL PERBANKAN SYARIAH: MENDORONG INOVASI KEUANGAN ISLAM DI INDONESIA. Journal of Islamic Finance and Syariah Banking, 2(2).
- Hafizh, A., Inda, T., Rahma, F., & Jannah, N. (2023). Pengaruh Kualitas Layanan dan Kemudahan Terhadap Loyalitas Nasabah Mobile Banking BSI Dengan Kepuasan Sebagai Variabel Intervening. Ad-Deenar: Jurnal Ekonomi Dan Bisnis Islam, September, 427–440. https://doi.org/10.30868/ad.v7i02.5133
- Hayady, R., Anggraini, T., & Daulay, A. N. (2023). THE EFFECT OF THIRD PARTY FUNDS , INFLATION AND MARGIN RATE ON MURABAHAH FINANCING AT ISLAMIC BANK. Jurnal Tabarru’ : Islamic Banking and Finance, 6(November), 410–425.
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- Indika Dewi Azizah, M. (2024). Analisis Minat Mahasiswa Terhadap Aplikasi BSI Mobile Dalam. Journal Economic Excellence, 4(1), 44–49.
- Khairussyifa, S., Roka, M. K., & Irham, M. (2024). Pengaruh Pengetahuan Pelajar tentang Perbankan Syariah terhadap Minat Memilih Produk BSI ( Studi Kasus Siswa Madrasah Aliyah Negeri 1 Medan ). El - Mal Jurnal Kajian Ekonomi Dan Bisnis, 5, 432–445.
- Mas, R., & Manulandong, S. Q. (2024). Islamic Banks in the Digital Age : Balancing Innovation with Sharia Principles. IKONOMIKA: Jurnal Ekonomi Dan Bisnis Islam, 9(1), 33–50.
- Muhammad Rizky Aldiansyah, Muhammad Ridwan, & Arnida Wahyuni Lubis. (2023). Pengaruh Literasi Perbankan Syariah Dan Produk Perbankan Syariah Terhadap Minat Mahasiswa FEBI UIN Sumatera Utara Menabung Di Bank Syariah. MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi Dan Bisnis, 1(3), 61–81. https://doi.org/10.59246/muqaddimah.v1i3.333
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- Nur Asnawi, N. D. S. (2021). ISLAMIC BANKING SERVICE INNOVATION IN CUSTOMER CO- CREATION: ITS IMPACT ON CUSTOMER TRUST, SATISFACTION, AND LOYALTY. JOURNAL OF SOUTHWEST JIAOTONG UNIVERSITY.
- Panjaitan, N. K., & Daulay, A. N. (2024). Analysis of Financial Regulatory Challenges for the Development of Islamic Banking in Indonesia. Journal La Sociale, 05(05), 1346–1357. https://doi.org/10.37899/journal-la-sociale.v5i5.1383
- Pertiwi, R. R., Jannah, S. M., & Sodik, F. (2024). HUMAN CAPITAL DRIVERS TO SERVICE INNOVATION: EVIDENCE FROM ISLAMIC BANKING IN INDONESIA. Journal of Islamic Monetary Economics and Finance, 10(2), 221–248.
- Shofia, P. A., Yafiz, M., & Jannah, N. (2024). Terhadap Kepuasan Mahasiswa Febi UIN Sumatera Utara Dalam Penggunaan Layanan Digital Bank Syariah. INNOVATIVE: Journal Of Social Science Research Volume, 4(3), 10098–10112.
- Syam, D. S. H. (2023). Pengaruh inovasi produk, inovasi layanan, promosi dan citra perusahaan terhadap keputusan menabung di pt bank syariah indonesia kcp ratulangi.
- Wahyuni, M. I. F. (2024). Strategi pemasaran bank syariah dalam meningkatkan minat generasi milenial melalui media sosial. Jurnal Ilmiah Ekonomi, Manajemen Dan Syariah JIEMAS, 408–416.
References
Fatkhul Wahab, M. I. (2025). REVOLUSI DIGITAL PERBANKAN SYARIAH: MENDORONG INOVASI KEUANGAN ISLAM DI INDONESIA. Journal of Islamic Finance and Syariah Banking, 2(2).
Hafizh, A., Inda, T., Rahma, F., & Jannah, N. (2023). Pengaruh Kualitas Layanan dan Kemudahan Terhadap Loyalitas Nasabah Mobile Banking BSI Dengan Kepuasan Sebagai Variabel Intervening. Ad-Deenar: Jurnal Ekonomi Dan Bisnis Islam, September, 427–440. https://doi.org/10.30868/ad.v7i02.5133
Hayady, R., Anggraini, T., & Daulay, A. N. (2023). THE EFFECT OF THIRD PARTY FUNDS , INFLATION AND MARGIN RATE ON MURABAHAH FINANCING AT ISLAMIC BANK. Jurnal Tabarru’ : Islamic Banking and Finance, 6(November), 410–425.
Indartono, S. (2020). Indonesian Islamic Banking Innovation Strategy in the Digital Economy Era. UNICEES 2018 - Unimed International Conference on Economics Education and Social Science, Unicees 2018, 661–666. https://doi.org/10.5220/0009511706610666
Indika Dewi Azizah, M. (2024). Analisis Minat Mahasiswa Terhadap Aplikasi BSI Mobile Dalam. Journal Economic Excellence, 4(1), 44–49.
Khairussyifa, S., Roka, M. K., & Irham, M. (2024). Pengaruh Pengetahuan Pelajar tentang Perbankan Syariah terhadap Minat Memilih Produk BSI ( Studi Kasus Siswa Madrasah Aliyah Negeri 1 Medan ). El - Mal Jurnal Kajian Ekonomi Dan Bisnis, 5, 432–445.
Mas, R., & Manulandong, S. Q. (2024). Islamic Banks in the Digital Age : Balancing Innovation with Sharia Principles. IKONOMIKA: Jurnal Ekonomi Dan Bisnis Islam, 9(1), 33–50.
Muhammad Rizky Aldiansyah, Muhammad Ridwan, & Arnida Wahyuni Lubis. (2023). Pengaruh Literasi Perbankan Syariah Dan Produk Perbankan Syariah Terhadap Minat Mahasiswa FEBI UIN Sumatera Utara Menabung Di Bank Syariah. MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi Dan Bisnis, 1(3), 61–81. https://doi.org/10.59246/muqaddimah.v1i3.333
Nabila. (2023). Pengaruh pengetahuan nasabah dan inovasi produk pesta hadiah terhadap minat nasabah dalam menabung pada bank syariah indonesia kcp surabaya ampel mas mansyur.
Nur Asnawi, N. D. S. (2021). ISLAMIC BANKING SERVICE INNOVATION IN CUSTOMER CO- CREATION: ITS IMPACT ON CUSTOMER TRUST, SATISFACTION, AND LOYALTY. JOURNAL OF SOUTHWEST JIAOTONG UNIVERSITY.
Panjaitan, N. K., & Daulay, A. N. (2024). Analysis of Financial Regulatory Challenges for the Development of Islamic Banking in Indonesia. Journal La Sociale, 05(05), 1346–1357. https://doi.org/10.37899/journal-la-sociale.v5i5.1383
Pertiwi, R. R., Jannah, S. M., & Sodik, F. (2024). HUMAN CAPITAL DRIVERS TO SERVICE INNOVATION: EVIDENCE FROM ISLAMIC BANKING IN INDONESIA. Journal of Islamic Monetary Economics and Finance, 10(2), 221–248.
Shofia, P. A., Yafiz, M., & Jannah, N. (2024). Terhadap Kepuasan Mahasiswa Febi UIN Sumatera Utara Dalam Penggunaan Layanan Digital Bank Syariah. INNOVATIVE: Journal Of Social Science Research Volume, 4(3), 10098–10112.
Syam, D. S. H. (2023). Pengaruh inovasi produk, inovasi layanan, promosi dan citra perusahaan terhadap keputusan menabung di pt bank syariah indonesia kcp ratulangi.
Wahyuni, M. I. F. (2024). Strategi pemasaran bank syariah dalam meningkatkan minat generasi milenial melalui media sosial. Jurnal Ilmiah Ekonomi, Manajemen Dan Syariah JIEMAS, 408–416.