The Influence of Digital Transformation on Generation Z's Career Readiness in the Banking Sector Towards Golden Indonesia 2045: The Mediating Role of Digital Competence and Moderating Self-Efficacy

This study examines the influence of digital transformation on the career readiness of Generation Z in the banking sector towards Golden Indonesia 2045, with digital competence as a mediating variable and self-efficacy as a moderating variable. The study used a quantitative method with an explanatory approach. Data were collected through an online survey of 100 Generation Z respondents who were working, willing to work, and had attended training in the banking sector, and analyzed using PLS-SEM. The results show that digital transformation has a significant effect on digital competence and career readiness, and digital competence also has a significant effect on career readiness and mediates the relationship between the two. However, self-efficacy does not moderate the relationship.