Analyzing Gen Z’s Intention to Use Digital Banking: The RolePerceived Usefulness, Attitude, and Perceived Behavioral Control
DOI:
https://doi.org/10.46273/v6s5f998Keywords:
Generation Z, Digital Banking; Efficiency; Security; Customer; Satisfaction, Intention to UseAbstract
The purpose of this study is to analyze the factors that influence the behavior of Generation Z in the Jabodetabek region when using digital banking services. In this study, the three primary variables that evaluate perceived usefulness, attitude, and perceived behavioral control. Data collection was conducted through a convenience sampling method, with respondents selected from the Z generation in Jabodetabek. The data that was collected was subsequently analyzed using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method with the SmartPLS4 to evaluate the relationship between the variables. This study has shown that a higher likelihood of intention to use digital banking services is associated with an increase in perceived usefulness, attitude, and perceived behavioral control regarding digital services. The findings of this study offer the banking sector valuable insights for the development of more effective strategies to stimulate the adoption of digital banking among Generation Z, particularly in the Jabodetabek region.
References
Agárdi, I., & Alt, M. A. (2022). Do digital natives use mobile payment differently than digital immigrants? A comparative study between generation X and Z. Electronic Commerce Research, 24(3), 1463–1490. https://doi.org/10.1007/s10660-022-09537-9
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-t
Almaiah, M. A., Al-Otaibi, S., Shishakly, R., Hassan, L., Lutfi, A., Alrawad, M., . . . Alghanam, O. A. (2023). Investigating the role of perceived risk, perceived security and perceived trust on Smart M-Banking Application using SEM. Sustainability, 15(13), 9908. https://doi.org/10.3390/su15139908
Aulia, S. (2020). Pola perilaku konsumen digital dalam memanfaatkan aplikasi dompet digital. Jurnal Komunikasi, 12(2), 311. https://doi.org/10.24912/jk.v12i2.9829
Becker, J., Cheah, J., Gholamzade, R., Ringle, C. M., & Sarstedt, M. (2022). PLS-SEM’s most wanted guidance. International Journal of Contemporary Hospitality Management, 35(1), 321–346. https://doi.org/10.1108/ijchm-04-2022-0474
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319. https://doi.org/10.2307/249008
Hair, J. F., Hult, G. T. M., Ringle, C. M., Sarstedt, M., Danks, N. P., & Ray, S. (2021). Partial Least Squares Structural Equation Modeling (PLS-SEM) using R. Classroom companion: business. https://doi.org/10.1007/978-3-030-80519-7
Kurniawan, I. A., Mugiono, M., & Wijayanti, R. (2022). THE EFFECT OF PERCEIVED USEFULNESS, PERCEIVED EASE OF USE, AND SOCIAL INFLUENCE TOWARD INTENTION TO USE MEDIATED BY TRUST. Jurnal Aplikasi Manajemen, 20(1), 117–127. https://doi.org/10.21776/ub.jam.2022.020.01.12
Nurahmasari, M., Silfiyah, S. N., & Pangaribuan, C. H. (2023). The Intention to Use Digital Banking Services among Gen Z in Indonesia Based on Technology Acceptance Model (TAM). Jurnal Manajemen Dan Bisnis Madani, 5(1), 15–31. https://doi.org/10.51353/jmbm.v5i1.692
Sebayang, T. E., Hakim, D. B., Bakhtiar, T., & Indrawan, D. (2024). The investigation of preference attributes of Indonesian mobile banking users to develop a strategy for mobile banking adoption. Journal of Risk and Financial Management, 17(3), 109. https://doi.org/10.3390/jrfm17030109
Silanoi, W., Naruetharadhol, P., & Ponsree, K. (2023). The Confidence of and Concern about Using Mobile Banking among Generation Z: A Case of the Post COVID-19 Situation in Thailand. Social Sciences, 12(4), 198. https://doi.org/10.3390/socsci12040198
• Susantho, A. V., Hasan, D. G., & T, F. K. (2024). Analysis of factors Influencing adoption to Digital financial services in Gen Z: An Empirical study on Digital Bank users in Indonesia. Global International Journal of Innovative Research, 2(7), 1530–1557. https://doi.org/10.59613/global.v2i7.225
Venkatesh, N., Morris, N., Davis, N., & Davis, N. (2003). User acceptance of information Technology: toward a unified view. MIS Quarterly, 27(3), 425. https://doi.org/10.2307/30036540
Wang, L., & Dai, X. (2020). Exploring factors affecting the adoption of mobile payment at physical stores. International Journal of Mobile Communications, 18(1), 67. https://doi.org/10.1504/ijmc.2020.104420
Zhou, T. (2012). Understanding users’ initial trust in mobile banking: An elaboration likelihood perspective. Computers in Human Behavior, 28(4), 1518–1525. https://doi.org/10.1016/j.chb.2012.03.021