Determinant Factors for M-Banking Use in Generation Z

Widya Alifia, Farah Margaretha Leon (), Yosephina Endang Purba, Kristian Chandra and Febria Nalurita
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Widya Alifia: Universitas Trisakti, Department of Management, Faculty of Economics and Business
Farah Margaretha Leon: Universitas Trisakti, Department of Management, Faculty of Economics and Business
Yosephina Endang Purba: Universitas Trisakti, Department of Management, Faculty of Economics and Business
Kristian Chandra: Universitas Trisakti, Department of Management, Faculty of Economics and Business
Febria Nalurita: Universitas Trisakti, Department of Management, Faculty of Economics and Business

A chapter in Proceedings of the International Conference on Entrepreneurship, Leadership and Business Innovation (ICELBI 2022), 2023, pp 250-258 from Springer

Abstract: Abstract This study aims to examine and analyze the factors that influence the adoption of M-banking in Generation Z. Data was obtained through an online questionnaire to M-banking users with an age range of 18–24 years in Jabodetabek. The method used in sampling was the non-probability sampling method, with a total sample of 250 respondents. The analytical method used in this research is the Structural Equation Model (SEM). The results showed a positive influence of Perceived Ability, Perceived Benevolence, Perceived Integrity, and Perceived Ease and Usefulness on the Use of M-Banking Applications. Banks are expected to have the ability and expertise to provide m-banking application services that are trusted, easy to understand, and can assist users in using the m-banking application to manage Generation Z's finances. Through the adoption of the m-banking application, it is hoped that it will help Generation Z in controlling their financial income and expenditure, thus managing their finances better.

Keywords: Generation Z; M-Banking; Perceived Ability; Perceived Benevolence; Perceived Ease and Usefulness; Perceived Integrity (search for similar items in EconPapers)
Date: 2023
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DOI: 10.2991/978-94-6463-350-4_24

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