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All Journal Jurnal Abadimas Adi Buana Jurnal Samudra Ekonomi dan Bisnis Jurnal Kedaymas Jurnal Manajemen dan Kewirausahaan
Chitra Laksmi Rithmaya
Universitas Hayam Wuruk Perbanas
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Public Health Other

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Journal : Jurnal Manajemen dan Kewirausahaan

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GEN Z AND THE FUTURE OF BANKING: AN ANALYSIS OF DIGITAL BANKING ADOPTION Chitra Laksmi Rithmaya; Herwin Ardianto; Evi Sistiyarini
Jurnal Manajemen dan Kewirausahaan Vol. 26 No. 1 (2024): MARCH 2024
Publisher : Management Study Program, Faculty of Business and Economics, Petra Christian University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.9744/jmk.26.1.64-78

Abstract

In the era of digitalization, a digital bank was the development of banking services. Bank in­no­vation led to innovation in providing various alternative services and improved the ease of tran­sactions for digital banking applications. This study aimed to discuss how digital banks used service features using a modified UTAUT2 approach. The data used was that of respondents belonging to generation Z in Indonesia who used digital banking services on mobile devices. Data analysis was done using PLS-SEM. The findings demonstrated that performance expectancy was the highest va­riable determining behavioral intention and used behavior. Habit and trust on service provider also predicted intention, and facilitating conditions also had a direct effect on usage behavior when adopt­ing digital banking in generation Z. Surprisingly, effort expectancy, social influence, hedonic mo­ti­vation, price value, and trust in the internet did not have a significant relationship, for which some possible reasons were explained further. In this article, theoretical and practical implications were also discussed.
Co-Authors Djoko Budi Setyawan Evi Sistiyarini Herwin Ardianto Ikhwan Kholid Kadek Pranetha Prananjaya Putri Wulanditya Reza Tianto Rohmad Fuad Armansyah Ronny Sinarring Azi Laga