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 d...
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| Format: | Article |
| Language: | English |
| Published: |
Universitas Muhammadiyah Yogyakarta
2024-09-01
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| Series: | Journal of Accounting and Investment |
| Subjects: | |
| Online Access: | https://journal.umy.ac.id/index.php/ai/article/view/21639 |
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| author | Azmi Fitriati Naelati Tubastuvi Rina Mudjiyanti Sri Wahyuni Venus C. Ibarra |
| author_facet | Azmi Fitriati Naelati Tubastuvi Rina Mudjiyanti Sri Wahyuni Venus C. Ibarra |
| author_sort | Azmi Fitriati |
| collection | DOAJ |
| description | 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. |
| format | Article |
| id | doaj-art-a298471ae87b43eca8fd8460a0be3a42 |
| institution | OA Journals |
| issn | 2622-3899 2622-6413 |
| language | English |
| publishDate | 2024-09-01 |
| publisher | Universitas Muhammadiyah Yogyakarta |
| record_format | Article |
| series | Journal of Accounting and Investment |
| spelling | doaj-art-a298471ae87b43eca8fd8460a0be3a422025-08-20T02:32:14ZengUniversitas Muhammadiyah YogyakartaJournal of Accounting and Investment2622-38992622-64132024-09-012531109113210.18196/jai.v25i3.216397870Mobile banking acceptance model for Generation Z: The role of trust, self-efficacy, and enjoymentAzmi Fitriati0Naelati Tubastuvi1Rina Mudjiyanti2Sri Wahyuni3Venus C. Ibarra4Department of Accounting, Faculty of Economics and Business, Universitas Muhammadiyah Purwokerto, Central Java, IndonesiaDepartment of Management, Faculty of Economics and Business, Universitas Muhammadiyah Purwokerto, Central Java, IndonesiaDepartment of Accounting, Faculty of Economics and Business, Universitas Muhammadiyah Purwokerto, Central Java, IndonesiaDepartment of Magister Management, Faculty of Economics and Business, Universitas Muhammadiyah Purwokerto, Central Java, IndonesiaDepartment of Economics, Finance, and Accounting, Ateneo de Manila UniversityResearch 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.https://journal.umy.ac.id/index.php/ai/article/view/21639enjoymentgeneration zself-efficacytechnology acceptance modeltrust |
| spellingShingle | Azmi Fitriati Naelati Tubastuvi Rina Mudjiyanti Sri Wahyuni Venus C. Ibarra Mobile banking acceptance model for Generation Z: The role of trust, self-efficacy, and enjoyment Journal of Accounting and Investment enjoyment generation z self-efficacy technology acceptance model trust |
| title | Mobile banking acceptance model for Generation Z: The role of trust, self-efficacy, and enjoyment |
| title_full | Mobile banking acceptance model for Generation Z: The role of trust, self-efficacy, and enjoyment |
| title_fullStr | Mobile banking acceptance model for Generation Z: The role of trust, self-efficacy, and enjoyment |
| title_full_unstemmed | Mobile banking acceptance model for Generation Z: The role of trust, self-efficacy, and enjoyment |
| title_short | Mobile banking acceptance model for Generation Z: The role of trust, self-efficacy, and enjoyment |
| title_sort | mobile banking acceptance model for generation z the role of trust self efficacy and enjoyment |
| topic | enjoyment generation z self-efficacy technology acceptance model trust |
| url | https://journal.umy.ac.id/index.php/ai/article/view/21639 |
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