Analyzing Gen Z’s Intention to Use Digital Banking: The RolePerceived Usefulness, Attitude, and Perceived Behavioral Control

Authors

  • Lailly Rahmadini Binus Business School

DOI:

https://doi.org/10.46273/v6s5f998

Keywords:

Generation Z, Digital Banking; Efficiency; Security; Customer; Satisfaction, Intention to Use

Abstract

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

Downloads

Published

2025-05-31

How to Cite

Analyzing Gen Z’s Intention to Use Digital Banking: The RolePerceived Usefulness, Attitude, and Perceived Behavioral Control (L. Rahmadini , Trans.). (2025). Journal of Business And Entrepreneurship, 13(1), 25-33. https://doi.org/10.46273/v6s5f998