INSTANT GRATIFICATION VS ETIKA SYARIAH : STUDI PSIKOLOGI KEUANGAN DALAM PENGGUNAAN FINTECH OLEH GENERASI Z MUSLIM

Abstract

The development of financial technology (fintech) has changed the financial behavior patterns of Generation Z Muslims, where the ease of instant transactions has the potential to strengthen the tendency for instant gratification, namely the need to get instant satisfaction without considering long-term consequences. However, this phenomenon is contrary to Sharia ethical principles, such as the prohibition of usury, gharar and maysir. This research aims to analyze the gap between instant gratification and Islamic financial values in the use of fintech, as well as identifying psychological and social factors that influence financial decision making. This research method uses a literature review with thematic analysis of secondary sources, including journals, reports and regulations related to Sharia fintech. The research results show that low Sharia financial literacy and the influence of digital culture exacerbate the tendency for instant gratification in Generation Z Muslims. On the other hand, Sharia fintech offers alternative solutions based on sharia financial principles, although it still faces challenges in innovation and socialization. To overcome this, a multidisciplinary approach is needed which includes strengthening regulations, digital-based education, and developing competitive Sharia fintech products.Perkembangan financial technology (fintech) telah mengubah pola perilaku keuangan Generasi Z Muslim, di mana kemudahan transaksi instan berpotensi memperkuat kecenderungan instant gratification yaitu kebutuhan untuk mendapatkan kepuasan sesaat tanpa mempertimbangkan konsekuensi jangka panjang. Namun, fenomena ini bertentangan dengan prinsip etika Syariah, seperti larangan riba, gharar, dan maysir. Penelitian ini bertujuan untuk menganalisis kesenjangan antara instant gratification dengan nilai-nilai keuangan Islam dalam penggunaan fintech, serta mengidentifikasi faktor psikologis dan sosial yang memengaruhi pengambilan keputusan keuangan. Metode penelitian ini  menggunakan literature review dengan analisis tematik terhadap sumber sekunder, termasuk jurnal, laporan, dan regulasi terkait fintech Syariah. Hasil penelitian menunjukkan bahwa rendahnya literasi keuangan Syariah dan pengaruh budaya digital memperparah kecenderungan instant gratification pada Generasi Z Muslim. Di sisi lain, fintech Syariah menawarkan solusi alternatif dengan prinsip keuangan syariah, meskipun masih menghadapi tantangan dalam inovasi dan sosialisasi. Untuk mengatasi hal ini, diperlukan pendekatan multidisiplin yang mencakup penguatan regulasi, edukasi berbasis digital, dan pengembangan produk fintech Syariah yang kompetitif.