Mobile banking acceptance model for Generation Z: The role of trust, self-efficacy, and enjoyment
Research aims: This research aims to develop a model that explains m-banking acceptance behavior, especially for Generation Z, which is driven by perceptions of trust, self-efficacy, and enjoyment.Design/Methodology/Approach: The population was Generation Z as users of m-banking in Indonesia. The data collection instrument employed a questionnaire. The analysis technique used was component or variance-based Structural Equation Modeling (SEM) utilizing Partial Least Square (PLS)Research findings: The results showcased that trust, self-efficacy, and enjoyment influenced perceived usefulness and ease of use. These perceptions influenced attitudes, intentions to use, and use of m-banking. Generation Z m-banking users believe that potential risks could be resolved effectively and efficiently. They have high confidence that they will be able to overcome problems.Theoretical contribution/Originality: This research has succeeded in developing TAM by adding trust, self-efficacy, and enjoyment. Generation Z users prioritize not only ease of use but also the usability and advantages of application services. Those who have self-confidence will choose services that offer security and comfort. Applications that receive a positive response from their users will encourage their use.Research limitation/Implication: The results of previous research still contain gaps regarding the role of research variables. Therefore, it is necessary to study in more depth the m-banking acceptance model of Generation Z.
Authors
- Naelati Tubastuvi (ORCID: https://orcid.org/0000-0001-7625-2384)
- Sri Wahyuni (ORCID: https://orcid.org/0000-0003-4064-5543)
- Azmi Fitriati (ORCID: https://orcid.org/0000-0001-7684-4275)
- Rina Mudjiyanti (ORCID: https://orcid.org/0000-0002-5372-4251)
- Venus C. Ibarra
Institutions
- Ateneo de Manila University (PH)
- Muhammadiyah University Purwokerto (ID)
Publication Details
- Journal
- Journal of Accounting and Investment
- Published
- 2024-09-30
- DOI
- https://doi.org/10.18196/jai.v25i3.21639
- Citations
- 4
- Primary Topic
- Technology Adoption and User Behaviour
- Type
- article
- Field-Weighted Citation Impact
- 4.20