The purpose of this study is: to indicate factors which attracts non-Muslims to use in sharia banking Pematang Siantar. The population in this study is all non-muslim customers service at Bank Mandiri Syariah, Bank Sumut Syariah, BRI Syariah, and Bank Muamalat totaling 6.319 people. The amount of sample in this study was taken based on Slovin formula, sample amounted to 98 people. To determine …