• Chitra Laksmi Rithmaya Universitas Hayam Wuruk Perbanas
  • Herwin Ardianto Universitas Hayam Wuruk Perbanas
  • Evi Sistiyarini Universitas Hayam Wuruk Perbanas



UTAUT2, generation Z, digital bank


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.


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How to Cite

Rithmaya, C. L., Ardianto, H., & Sistiyarini, E. (2024). GEN Z AND THE FUTURE OF BANKING: AN ANALYSIS OF DIGITAL BANKING ADOPTION. Jurnal Manajemen Dan Kewirausahaan, 26(1), 64-78.