Technology Acceptance Model (TAM) in Mobile Banking Usage Among Generation Z in Indonesia

Dwi Ana Kusumaning Tyas (), M. Trihudiyatmanto (), Heri Purwanto (), Bahtiar Efendi () and Agus Putranto ()
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Dwi Ana Kusumaning Tyas: Universitas Sains Al-Qur’an of Wonosobo Regency
M. Trihudiyatmanto: Universitas Sains Al-Qur’an of Wonosobo Regency
Heri Purwanto: Universitas Sains Al-Qur’an of Wonosobo Regency
Bahtiar Efendi: Universitas Sains Al-Qur’an of Wonosobo Regency
Agus Putranto: Universitas Sains Al-Qur’an of Wonosobo Regency

A chapter in Proceedings of the 2nd International Conference on Business, Accounting, Banking, and Economics (ICBABE 2025), 2025, pp 167-178 from Springer

Abstract: Abstract This study aims to determine the use of mobile banking amongst generation Z in the Wonosobo Regency with the Technology Acceptance Model (TAM) approach. This analysis uses independent variables, namely perceived benefits, perceived ease of use, social influence, experience and trust. And the dependent variable is the use of mobile banking. The sample in this study was Generation Z in Wonosobo Regency. Data collection was carried out by questionnaires distributed online to Generation Z in Wonosobo Regency, which obtained 398 respondents. This research is a quantitative method. The population of this study was 137,182 Generation Z in Wonosobo Regency. The sampling technique used the slovin formula. The data analysis method uses multiple linear regression analysis. The results showed that: [1] There is a positive effect of perceived benefits on mobile banking users with a tvalue of 10.497 and a significance value of 0.000. [2] There is a positive effect of perceived ease of use on mobile banking users with a tvalue of 7.520 and a significance value of 0.000. [3] There is a positive effect of social influence on mobile banking users with a calculated tvalue of 2.220 and a significance value of 0.027. [4] There is a positive effect of experience on mobile banking users with a calculated tvalue of 7.137 and a significance value of 0.000. [5] There is a positive effect of trust on mobile banking users with a tvalue of 2.212 and a significance value of 0.028. The results of this study are expected to provide benefits and contributions to mobile banking service provider companies, so that they can be used as a strategic reference by banks in developing features and designing marketing campaigns that are in line with the characteristics and needs of the younger generation who are adaptive to digital technology.

Keywords: Perceived Benefits; Perceived Ease of Use; Social Influence; Experience; Trust; Mobile Banking Usage; Technology Acceptance Model (TAM) (search for similar items in EconPapers)
Date: 2025
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DOI: 10.2991/978-94-6463-862-2_13

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