Factors Influencing Mobile Banking Adoption by Gen Z Generation

Riyawan Saputra

doi:10.53697/emak.v5i4.2215

Authors

Riyawan Saputra Sekolah Tinggi Ilmu Ekonomi Ganesha

DOI:

https://doi.org/10.53697/emak.v5i4.2215

Keywords:

Generation Z, Mobile Banking, Ease of Use, Security, Social Influence, Digital Lifestyle, Technology Adoption

Abstract

This study aims to identify the factors influencing the adoption of mobile banking among Generation Z, known as digital natives with a lifestyle highly integrated with technology. Using a qualitative approach,The findings reveal several key factors affecting mobile banking adoption: ease of use, security and privacy, social influence, value-added services, technological accessibility, cost and efficiency, and alignment with digital lifestyles. Generation Z tends to prefer applications with simple interfaces, reliable security features, promotional incentives, and services tailored to their needs. Additionally, peer influence and recommendations from online communities play a significant role in their decision-making process. This study provides valuable insights for financial service providers to develop more effective strategies for increasing mobile banking adoption among this generation.

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