BANKING PADA GENERASI Y DAN Z
DOI:
https://doi.org/10.35794/jmbi.v12i1.61361Abstract
This study aims to examine the factors that influence attitude and intention to use mobile banking in Generation Y and Z. The population in this study were mobile banking users in Indonesia. The sample in this study amounted to 250 respondents with a sampling technique using purposive sampling. Data collection in this study used a questionnaire distributed online via google form and processed using SPSS and PLS-SEM with the SmartPLS. The results of this study indicate that perceived ease of use has a positive and significant effect on the attitude of mobile banking users, perceived usefulness has a positive and significant effect on the attitude of mobile banking users, perceived trust has a positive and significant effect on the attitude of mobile banking users, subjective norm has a positive and significant effect on the attitude of mobile banking users, and attitude has a positive and significant effect on the intention to use mobile banking in Generation Y and Z.
References
Aiolfi, S., Bellini, S. and Pellegrini, D. (2021) ‘Data-Driven Digital Advertising: Benefits and Risks of Online Behavioral Advertising’, International Journal of Retail and Distribution Management, 49(7), pp. 1089–1110. Available at: https://doi.org/10.1108/IJRDM-10-2020-0410.
Al Amin, M. et al. (2020) ‘Evaluating The Customers’ Dining Attitudes, E-Satisfaction And Continuance Intention Toward Mobile Food Ordering Apps (MFOAs): Evidence From Bangladesh’, European Journal of Management and Business Economics, 30(2), pp. 211–229. Available at: https://doi.org/10.1108/EJMBE-04-2020-0066.
Alfadda, H.A. and Mahdi, H.S. (2021) ‘Measuring Students’ Use of Zoom Application in Language Course Based on the Technology Acceptance Model (TAM)’, Journal of Psycholinguistic Research, 50(4), pp. 883–900. Available at: https://doi.org/10.1007/s10936-020-09752-1.
Almogren, A.S., Al-Rahmi, W.M. and Dahri, N.A. (2024) ‘Exploring Factors Influencing The Acceptance Of Chatgpt In Higher Education: A Smart Education Perspective’, Heliyon, 10(11), pp. 1–19. Available at: https://doi.org/10.1016/j.heliyon.2024.e31887.
Alshebami, A.S. (2022) ‘Crowdfunding Platforms as a Substitute Financing Source for Young Saudi Entrepreneurs: Empirical Evidence’, SAGE Open, 12(3), pp. 1–14. Available at: https://doi.org/10.1177/21582440221126511.
Altes, G.C., Ong, A.K.S. and German, J.D. (2024) ‘Determining Factors Affecting Filipino Consumers’ Behavioral Intention To Use Cloud Storage Services: An Extended Technology Acceptance Model Integrating Valence Framework’, Heliyon, 10(4), pp. 1–20. Available at: https://doi.org/10.1016/j.heliyon.2024.e26447.
Ariffin, S.K. et al. (2021) ‘Understanding The Consumer’s Intention to Use The E-Wallet Services’, Spanish Journal of Marketing - ESIC, 25(3), pp. 446–461. Available at: https://doi.org/10.1108/SJME-07-2021-0138.
Aslam, W. et al. (2023) ‘Do the Preceding Self-service Technologies Influence Mobile Banking Adoption?’, IIM Kozhikode Society and Management Review, 12(1), pp. 50–66. Available at: https://doi.org/10.1177/22779752211073552.
Aslan, H. (2023) ‘The Influence Of Halal Awareness, Halal Certificate, Subjective Norms, Perceived Behavioral Control, Attitude And Trust On Purchase Intention Of Culinary Products Among Muslim Costumers In Turkey’, International Journal of Gastronomy and Food Science, 32(100726), pp. 1–8. Available at: https://doi.org/10.1016/j.ijgfs.2023.100726.
Ausawanetmanee, P. et al. (2024) ‘Consumer Acceptance Of An Innovative Bio-QR Code Traceability System For Edible Bird’s Nest’, Journal of Open Innovation: Technology, Market, and Complexity, 10(1), pp. 1–15. Available at: https://doi.org/10.1016/j.joitmc.2023.100169.
Avornyo, P. et al. (2024) ‘The Role Of OSL In Mobile Banking Application Discontinuance: A Technological Innovation Dilemma’, Technovation, 131(102946), pp. 1–26. Available at: https://doi.org/10.1016/j.technovation.2023.102946.
Az-Zahra, S. et al. (2023) ‘Explanation Of E-Service Quality and Actual Use of M-Banking’, Journal of Marketing Innovation (JMI), 3(1), pp. 76–93. Available at: https://doi.org/10.35313/jmi.v3i1.27.
Barbera, F. La and Ajzen, I. (2020) ‘Control Interactions in the Theory of Planned Behavior: Rethinking the Role of Subjective Norm’, Europe’s Journal of Psychology, 16(3), pp. 401–417. Available at: https://doi.org/10.5964/ejop.v16i3.2056.
Barrera-Verdugo, G. and Villarroel-Villarroel, A. (2022) ‘Evaluating The Relationship Between Social Media Use Frequency And Entrepreneurial Perceptions And Attitudes Among Students’, Heliyon, 8(4), pp. 1–12. Available at: https://doi.org/10.1016/j.heliyon.2022.e09214.
Barua, B. and Urme, U.N. (2023) ‘Assessing The Online Teaching Readiness of Faculty Member’, Journal of Research in Innovative Teaching and Learning, 11(8), pp. 1–22. Available at: https://doi.org/10.1108/JRIT-10-2022-0070.
Basha, M.B., Wahid, F. and Hafidh, G. (2023) ‘Cannabis Infused Soft Drinks - Buying Behavior Amongst Canadian Students: An Empirical Study’, Young Consumers, 24(4), pp. 381–405. Available at: https://doi.org/10.1108/YC-09-2021-1384.
Batooli, Z. et al. (2022) ‘Using Theory of Planned Behavior to Determine Consumer Intention in Choosing Cloth vs Plastic Bags’, Applied Environmental Research, 44(1), pp. 54–66. Available at: https://doi.org/10.35762/AER.2021.44.1.5.
Bellahcene, M. and Latreche, H. (2023) ‘E-Banking Adoption by Algerian Bank Customers’, International Journal of E-Services and Mobile Applications, 15(1), pp. 1–20. Available at: https://doi.org/10.4018/ijesma.317943.
Bolodeoku, P.B. et al. (2022) ‘Perceived Usefulness Of Technology And Multiple Salient Outcomes: The Improbable Case Of Oil And Gas Workers’, Heliyon, 8(4), pp. 1–8. Available at: https://doi.org/10.1016/j.heliyon.2022.e09322.
Bupu, A.G., Medan, K.K. and Amalo, H. (2024) ‘Analisis Yuridis Cyber Crime Pembobolan Dana Nasabah pada Aplikasi Mobile Banking dengan Modus Pembobolan Jalur Undangan Pernikahan Palsu’, Jurnal Ilmu Hukum dan Sosial, 2(2), pp. 367–383. Available at: https://doi.org/10.51903/hakim.v2i2.1829.
Candra, S., Nuruttarwiyah, F. and Hapsari, I.H. (2020) ‘Revisited the Technology Acceptance Model with E-Trust for Peer-to-Peer Lending in Indonesia (Perspective from Fintech Users)’, International Journal of Technology, 11(4), pp. 710–721. Available at: https://doi.org/10.14716/ijtech.v11i4.4032.
Chawla, D. and Joshi, H. (2023) ‘Role of Mediator in Examining the Influence of Antecedents of Mobile Wallet Adoption on Attitude and Intention’, Global Business Review, 24(4), pp. 609–625.
Available at: https://doi.org/10.1177/0972150920924506.
Chen, Y. et al. (2023) ‘Analysis Of Australian Public Acceptance Of Fully Automated Vehicles By Extending Technology Acceptance Model’, Case Studies on Transport Policy, 14(101072), pp. 1–
Available at: https://doi.org/10.1016/j.cstp.2023.101072.
Chowdhury, M.S. (2024) ‘Recruiting On The Net: Insights For Employers From Prospective Employees’, PSU Research Review, 8(1), pp. 195–210. Available at: https://doi.org/10.1108/prr-09-2021-0051.
Chua, H.W. and Yu, Z. (2024) ‘A Systematic Literature Review Of The Acceptability Of The Use Of Metaverse In Education Over 16 Years’, Journal of Computers in Education, 11(2), pp. 615–665. Available at: https://doi.org/10.1007/s40692-023-00273-z.
Conner, M., Wilding, S. and Norman, P. (2022) ‘Testing Predictors Of Attitude Strength As Determinants Of Attitude Stability And Attitude–Behaviour Relationships: A Multi-Behaviour Study’, European Journal of Social Psychology, 52(4), pp. 656–668. Available at: https://doi.org/10.1002/ejsp.2844.
Daragmeh, A., Lentner, C. and Sági, J. (2021) ‘FinTech Payments in the Era of COVID-19: Factors Influencing Behavioral Intentions of “‘Generation X’” in Hungary to Use Mobile Payment’, Journal of Behavioral and Experimental Finance, 32(100574), pp. 1–12. Available at: https://doi.org/10.1016/j.jbef.2021.100574.
Databoks (2024) Mobile Banking yang Paling Diminati Warga RI, Ada Pilihanmu? Available at: https://databoks.katadata.co.id/teknologi-telekomunikasi/statistik/bca54dea9242240/mobile- banking-yang-paling-diminati-warga-ri-ada-pilihanmu (Accessed: 21 November 2024) (Accessed:
November 2024).
Dewanti, P.W., Purnama, I.A. and Parthasarathy, K. (2021) ‘Subjective Norms and Academic Dishonesty: A Decision Tree Algorithm Analysis’, International Journal on Informatics Visualization, 5(1), pp. 46–50. Available at: https://doi.org/10.30630/joiv.5.1.423.
Dinas Koperasi dan UMKM Bangka Belitung (2023) Literasi Digital dan Keuangan, Sebuah Solusi Bagi Masyarakat Hindari Penipuan Digital (Online). Available at: https://kukm.babelprov.go.id/content/literasi-digital-dan-keuangan-sebuah-solusi-bagi-masyarakat- hindari-penipuan-digital-online (Accessed: 25 Desember 2024) (Accessed: 25 December 2024).
Ding, Z. et al. (2023) ‘Determinants Of Contractor’s Construction And Demolition Waste Recycling Intention In China: Integrating Theory Of Planned Behavior And Norm Activation Model’, Waste Management, 161, pp. 213–224. Available at: https://doi.org/10.1016/j.wasman.2023.03.005.
Finansial.bisnis.com (2024a) Rapor Pengguna Mobile Banking Bank Jumbo Kuartal I/2024: BRI Teratas, Mandiri Melesat! Available at: https://finansial.bisnis.com/read/20240529/90/1769456/rapor- pengguna-mobile-banking-bank-jumbo-kuartal-i2024-bri-teratas-mandiri-melesat (Accessed: 5
Desember 2024) (Accessed: 5 December 2024).
Finansial.bisnis.com (2024b) Wondr by BNI Error Nasabah Tak Bisa Transaksi, Begini Penjelasan Manajemen. Available at: https://finansial.bisnis.com/read/20241125/90/1818839/wondr-by-bni- error-nasabah-tak-bisa-transaksi-begini-penjelasan-manajemen (Accessed: 5 Desember 2024)
(Accessed: 5 December 2024).
Ganesan, M. and Kumar, B.D. (2024) ‘Augmented Reality: The Key To Unlock Customer Engagement Potential’, Marketing Intelligence and Planning, 42(6), pp. 976–1009. Available at: https://doi.org/10.1108/MIP-08-2023-0408.
Goodstats (2024) Survei Kominfo: Skor Indeks Masyarakat Digital Indonesia Capai 43,34 di 2024. Available at: https://data.goodstats.id/statistic/survei-kominfo-skor-indeks-masyarakat-digital- indonesia-capai-4334-di-2024-IVOl1 (Accessed: 28 November 2024) (Accessed: 28 November
.
Gundala, R.R. et al. (2022) ‘Does Gender Moderate The Purchase Intention Of Organic Foods? Theory Of Reasoned Action’, Heliyon, 8(9), pp. 1–9. Available at: https://doi.org/10.1016/j.heliyon.2022.e10478.
Gupta, S., Abbas, A.F. and Srivastava, R. (2022) ‘Technology Acceptance Model (TAM): A Bibliometric Analysis from Inception’, Journal of Telecommunications and the Digital Economy, 10(3), pp. 77–
Available at: https://doi.org/10.18080/jtde.v10n3.598.
Ha, D., Şensoy, A. and Phung, A. (2023) ‘Empowering Mobile Money Users: The Role Of Financial Literacy And Trust In Vietnam’, Borsa Istanbul Review, 23(6), pp. 1367–1379. Available at: https://doi.org/10.1016/j.bir.2023.10.009.
Hair, J. et al. (2022) ‘Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM).’, in. Los Angeles: Sage.
Haryono, S. (2017) ‘Metode SEM untuk Penelitian Manajemen dengan AMOS LISREL PLS’, in. Jakarta: Intermedia Personalia Utama.
Hasan, J. et al. (2023) ‘Investigating Consumers Intentions Regarding The Adoption Of Mobile Payments: An SEM-Based Empirical Investigation’, Asian Economic and Financial Review, 13(9),
pp. 662–676. Available at: https://doi.org/10.55493/5002.v13i9.4846.
Hasan, M.M. et al. (2022) ‘Role of Environmental Sustainability, Psychological and Managerial Supports for Determining Bankers’ Green Banking Usage Behavior: An Integrated Framework’, Psychology Research and Behavior Management, 15(1), pp. 3751–3773. Available at: https://doi.org/10.2147/PRBM.S377682.
He, J. (2023) ‘The Impact Of Users’ Trust On Intention To Use The Mobile Medical Platform: Evidence From China’, Frontiers in Public Health, 11(1), pp. 1–10. Available at: https://doi.org/10.3389/fpubh.2023.1076367.
Hussein, R.S., Mohamed, H. and Kais, A. (2021) ‘Antecedents Of Level Of Social Media Use: Exploring The Mediating Effect Of Usefulness, Attitude And Satisfaction’, Journal of Marketing Communications, 28(7), pp. 1–22. Available at: https://doi.org/10.1080/13527266.2021.1936125.
Ibrahim, M.H., Khoirunnisa, A.N. and Salsabiil, U.Z. (2022) ‘The Intention To Use Mobile Banking During The Covid-19 Pandemic: Modification Of The UTAUT Model’, Airlangga International Journal of Islamic Economics and Finance, 5(1), pp. 1–17. Available at: https://doi.org/10.20473/aijief.v5i01.31449.
Kampa, R.K. (2023) ‘Combining Technology Readiness And Acceptance Model For Investigating The Acceptance Of M-Learning In Higher Education In India’, Asian Association of Open Universities Journal, 18(2), pp. 105–120. Available at: https://doi.org/10.1108/AAOUJ-10-2022-0149.
Kanaan, A. et al. (2023) ‘The Effect Of Quality, Security And Privacy Factors On Trust And Intention To Use E-Government Services’, International Journal of Data and Network Science, 7(1), pp. 185–
Available at: https://doi.org/10.5267/j.ijdns.2022.11.004.
Kasber, A., El-Bassiouny, N. and Hamed, S. (2023) ‘Can Religiosity Alter Luxury And Counterfeit Consumption? An Empirical Study In An Emerging Market’, Journal of Islamic Marketing, 14(7),
pp. 1768–1792. Available at: https://doi.org/10.1108/JIMA-02-2022-0058.
Kelly, A.E. and Palaniappan, S. (2023) ‘Using A Technology Acceptance Model To Determine Factors Influencing Continued Usage Of Mobile Money Service Transactions In Ghana’, Journal of Innovation and Entrepreneurship, 12(34), pp. 1–24. Available at: https://doi.org/10.1186/s13731- 023-00301-3.
Keni, K. (2020) ‘How Perceived Usefulness and Perceived Ease of Use Affecting Intent to Repurchase?’, Jurnal Manajemen, 24(3), pp. 481–496. Available at: https://doi.org/10.24912/jm.v24i3.680.
Khan, W.A. and Abideen, Z.U. (2023) ‘Effects Of Behavioural Intention On Usage Behaviour Of Digital Wallet: The Mediating Role Of Perceived Risk And Moderating Role Of Perceived Service Quality And Perceived Trust’, Future Business Journal, 9(1), pp. 1–15. Available at: https://doi.org/10.1186/s43093-023-00242-z.
Leong, M.K. and Koay, K.Y. (2023) ‘Towards A Unified Model Of Consumers’ Intentions To Use Drone Food Delivery Services’, International Journal of Hospitality Management, 113(103539), pp. 1–13. Available at: https://doi.org/10.1016/j.ijhm.2023.103539.
Lin, X. et al. (2023) ‘Examining The Effect Of Logistics Service Quality On Customer Satisfaction And Re-Use Intention’, Plos One, 18(5), pp. 1–24. Available at: https://doi.org/10.1371/journal.pone.0286382.
Liu, K. et al. (2022) ‘A longitudinal Examination of Tablet Self-Management Technology Acceptance by Patients with Chronic Diseases: Integrating Perceived Hand Function, Perceived Visual Function, and Perceived Home Space Adequacy with the TAM and TPB’, Applied Ergonomics, 100(103667), pp. 1–10. Available at: https://doi.org/10.1016/j.apergo.2021.103667.
Ly, B. and Ly, R. (2022) ‘Internet Banking Adoption Under Technology Acceptance Model-Evidence from Cambodian Users’, Computers in Human Behavior Reports, 7(100224), pp. 1–7. Available at: https://doi.org/10.1016/j.chbr.2022.100224.
Ly, B., Ly, R. and Hor, S. (2023) ‘Zoom Classrooms And Adoption Behavior Among Cambodian Students’, Computers in Human Behavior Reports, 9(100266), pp. 1–9. Available at: https://doi.org/10.1016/j.chbr.2022.100266.
Merdeka.com (2024) Survei: Mayoritas Gen Z Senang Pakai Bank Digital karena Hal Ini. Available at: https://www.merdeka.com/perbankan/survei-mayoritas-gen-z-senang-pakai-bank-digital-karena- hal-ini-161437-mvk.html?page=4 (Accessed: 5 Desember 2024) (Accessed: 5 December 2024).
Mohamad, L. et al. (2023) ‘The Perceived Attitude of Bank Customers towards the Intention to Use Digital Banking in Malaysia’, International Journal of Academic Research in Business and Social Sciences, 13(1), pp. 1308–1323. Available at: https://doi.org/10.6007/ijarbss/v13-i1/15570.
Myeduslove (2024) Tantangan Literasi Digital di Tahun 2024. Available at: https://myedusolve.com/id/blog/tantangan-literasi-digital-di-tahun-2024 (Accessed: 28 November 2024) (Accessed: 28 November 2024).
Naruetharadhol, P. et al. (2021) ‘Factors Affecting Sustainable Intention to Use Mobile Banking Services’, SAGE Open, 11(3), pp. 1–13. Available at: https://doi.org/10.1177/21582440211029925.
Ong, H.B. and Chong, L.L. (2023) ‘The Effect Of Cashless Payments On The Internet And Mobile Banking’, Journal of Financial Services Marketing, 28(1), pp. 178–188. Available at: https://doi.org/10.1057/s41264-022-00145-0.
Pandurugan, V. and Al Shammakhi, B.N.S. (2023) ‘Modelling The Theory Of Planned Behaviour To Evaluate The Investment Intention Of Generation Z In The Speculative Market: Stocks, Forex And Cryptocurrencies’, Arab Gulf Journal of Scientific Research, 28(12), pp. 1–17. Available at: https://doi.org/10.1108/AGJSR-07-2023-0319.
Paramita, D.A. and Hidayat, A. (2023) ‘The Effect Of Perceived Ease Of Use, Perceived Usefulness, And Perceived Benefits On Interest In Using Bank Syariah Indonesia Mobile Banking’, International Journal of Research in Business and Social Science, 12(5), pp. 1–9. Available at: https://doi.org/10.20525/ijrbs.v12i5.2643.
Pastor, Y. et al. (2024) ‘A Study Of The Influence Of Altruism, Social Responsibility, Reciprocity, And The Subjective Norm On Online Prosocial Behavior In Adolescence’, Computers in Human Behavior, 154(108156), pp. 1–10. Available at: https://doi.org/10.1016/j.chb.2024.108156.
Patwary, A.K. et al. (2022) ‘Green Purchasing Behaviour Of International Tourists In Malaysia Using Green Marketing Tools: Theory Of Planned Behaviour Perspective’, Nankai Business Review International, 13(2), pp. 246–265. Available at: https://doi.org/10.1108/NBRI-06-2021-0044.
Pikiranrakyat.com (2024) Penyebab Livin Mandiri Error Siang Ini 1 Agustus 2024, Begini Solusi yang Ditawarkan Bank. Available at: https://www.pikiran-rakyat.com/ekonomi/pr-018397187/penyebab- livin-mandiri-error-siang-ini-1-agustus-2024-begini-solusi-yang-ditawarkan-bank?page=all (Accessed: 5 Desember 2024) (Accessed: 5 December 2024).
Prabhakaran, S. and Mynavathi, L. (2023) ‘Perception Vs. Reality: Analysing The Nexus Between Financial Literacy And Fintech Adoption’, Investment Management and Financial Innovations, 20(4), pp. 13–25. Available at: https://doi.org/10.21511/imfi.20(4).2023.02.
Prahiawan, W. et al. (2021) ‘The Role Of E-Satisfaction, E-Word Of Mouth And E-Trust On Repurchase Intention Of Online Shop’, International Journal of Data and Network Science, 5(4), pp. 593–600. Available at: https://doi.org/10.5267/j.ijdns.2021.8.008.
Prakash, G. et al. (2023) ‘Trust, Convenience And Environmental Concern In Consumer Purchase Intention For Organic Food’, Spanish Journal of Marketing - ESIC, 27(3), pp. 367–388. Available at: https://doi.org/10.1108/SJME-09-2022-0201.
Prakasha, G.S. et al. (2022) ‘Examining University Students’ Attitude towards e-Learning and Their Academic Achievement during COVID-19’, International Journal of Information and Education Technology, 12(10), pp. 1056–1064. Available at: https://doi.org/10.18178/ijiet.2022.12.10.1720.
Prastiawan, D.I., Aisjah, S. and Rofiaty, R. (2021) ‘The Effect of Perceived Usefulness, Perceived Ease of Use, and Social Influence on the Use of Mobile Banking through the Mediation of Attitude Toward Use’, Asia Pacific Management and Business Application, 9(3), pp. 243–260. Available at: https://doi.org/10.21776/ub.apmba.2021.009.03.4.
Rahardja, U. et al. (2023) ‘Evaluating the Mediating Mechanism of Perceived Trust and Risk toward Cryptocurrency: An Empirical Research’, SAGE Open, 13(4), pp. 1–17. Available at: https://doi.org/10.1177/21582440231217854.
Raksadigiri, M.W. and Wahyuni, S. (2020) ‘Perceived Ease Of Use Effect On Perceived Usefulness And Attitude Towards Use And Its Impact On Behavioural Intention To Use’, International Journal of Advanced Research, 8(12), pp. 439–444. Available at: https://doi.org/10.21474/IJAR01/12167.
Rausch, T.M. and Kopplin, C.S. (2021) ‘Bridge The Gap: Consumers’ Purchase Intention And Behavior Regarding Sustainable Clothing’, Journal of Cleaner Production, 278(123882), pp. 1–15. Available at: https://doi.org/10.1016/j.jclepro.2020.123882.
Riptiono, S. et al. (2021) ‘Parsing Religiosity And Intention To Use Islamic Mobile Banking In Indonesia’, Banks and Bank Systems, 16(4), pp. 34–44. Available at: https://doi.org/10.21511/bbs.16(4).2021.04.
Ruiz-Herrera, L.G. et al. (2023) ‘Technology Acceptance Factors Of E-Commerce Among Young People: An Integration Of The Technology Acceptance Model And Theory Of Planned Behavior’, Heliyon, 9(6), pp. 1–15. Available at: https://doi.org/10.1016/j.heliyon.2023.e16418.
Saheb, T., Cabanillas, F.J.L. and Higueras, E. (2022) ‘The Risks and Benefits of Internet of Things (IoT) and Their Influence on Smartwatch Use’, Spanish Journal of Marketing - ESIC, 26(3), pp. 309–
Available at: https://doi.org/10.1108/SJME-07-2021-0129.
Sari, R.L., Habibi, A.B. and Hayuningputri, E.P. (2022) ‘Impact of Attitude, Perceived Ease of Use, Convenience, and Social Benefit on Intention to Use Mobile Payment’, Asia Pacific Management and Business Application, 11(2), pp. 143–156. Available at: https://doi.org/10.21776/ub.apmba.2022.011.02.2.
Scherer, R., Siddiq, F. and Tondeur, J. (2019) ‘The Technology Acceptance Model (TAM): A Meta- Analytic Structural Equation Modeling Approach to Explaining Teachers’ Adoption Of Digital Technology In Education’, Computers and Education, 128, pp. 13–35. Available at: https://doi.org/10.1016/j.compedu.2018.09.009.
Setiawan, P.Y. and Widanta, A.A.B.P. (2021) ‘The Effect Of Trust On Travel Agent Online Use: Application Of The Technology Acceptance Model’, International Journal of Data and Network Science, 5(3), pp. 173–182. Available at: https://doi.org/10.5267/j.ijdns.2021.6.015.
Sharma, M., Banerjee, S. and Paul, J. (2022) ‘Role Of Social Media On Mobile Banking Adoption Among Consumers’, Technological Forecasting and Social Change, 180(121720), pp. 1–13. Available at: https://doi.org/10.1016/j.techfore.2022.121720.
Sholihin, M. and Ratmono, D. (2020) ‘Analisis SEM-PLS dengan WarpPLS 7.0’, in. Yogyakarta: Andi. Siagian, H. et al. (2022) ‘The Effect Of Perceived Security, Perceived Ease Of Use, And Perceived
Usefulness On Consumer Behavioral Intention Through Trust In Digital Payment Platform’,
International Journal of Data and Network Science, 6(3), pp. 861–874. Available at: https://doi.org/10.5267/j.ijdns.2022.2.010.
Singh, A., Rana, N.P. and Parayitam, S. (2022) ‘Role Of Social Currency in Customer Experience and Co-Creation Intention in Online Travel Agencies: Moderation of Attitude and Subjective Norms’, International Journal of Information Management Data Insights, 2(2), pp. 1–10. Available at: https://doi.org/10.1016/j.jjimei.2022.100114.
Sujarweni, V.W. (2021) Metodologi Penelitian Bisnis & Ekonom. Yogyakarta: Pustaka Baru Press. Sulaiman, Y. and Jauhari, N. (2021) ‘The Factors Influencing Mobile Banking Usage among University
Staff’, WSEAS Transactions on Business and Economics, 18(1), pp. 179–189. Available at: https://doi.org/10.37394/23207.2021.18.19.
Sulistyowati, W.A. et al. (2022) ‘Examining The Intention To Use Mobile Banking During Period Of Covid-19: Technology Acceptance Model With Trust’, Journal of Southwest Jiaotong University, 57(6), pp. 20–32. Available at: https://doi.org/10.35741/issn.0258-2724.57.6.3.
Tempo.co (2023) Pembobolan M-Banking, Kaspersky: 356 Ribu Phising Sektor Keuangan di RI Terjadi Tahun 2022. Available at: https://www.tempo.co/ekonomi/pembobolan-m-banking-kaspersky-356- ribu-phising-sektor-keuangan-di-ri-terjadi-tahun-2022-223825 (Accessed: 30 November 2024)
(Accessed: 30 November 2024).
Timesindonesia.co.id (2024) Dosen FIKOMM UMBY Paparkan Pentingnya Literasi Digital di USIM Malaysia. Available at: https://timesindonesia.co.id/indonesia-positif/522179/dosen-fikomm-umby- paparkan-pentingnya-literasi-digital-di-usim-malaysia (Accessed: 25 Desember 2024) (Accessed:
December 2024).
Ullah, S. et al. (2022) ‘Consumers’ Intention to Adopt m-payment/m-banking: The Role of Their Financial Skills and Digital Literacy’, Frontiers in Psychology, 13(873708), pp. 1–12. Available at: https://doi.org/10.3389/fpsyg.2022.873708.
Wu, G. and Peng, Q. (2024) ‘Bridging the Digital Divide: Unraveling the Determinants of FinTech Adoption in Rural Communities’, SAGE Open, 14(1), pp. 1–6. Available at: https://doi.org/10.1177/21582440241227770.
Yao, E. et al. (2024) ‘The Role Of Technology Belief, Perceived Risk And Initial Trust In Users’ Acceptance Of Urban Air Mobility: An Empirical Case In China’, Multimodal Transportation, 3(4), pp. 1–16. Available at: https://doi.org/10.1016/j.multra.2024.100169.
Yuan, D. et al. (2021) ‘Analyzing of User Attitudes Toward Intention to Use Social Media for Learning’, SAGE Open, 11(4), pp. 1–13. Available at: https://doi.org/10.1177/21582440211060784.
Zhang, Y.B., Zhang, L.L. and Kim, H.K. (2021) ‘The Effect of UTAUT2 on Use Intention and Use Behavior in Online Learning Platform’, Journal of Logistics, Informatics and Service Science, 8(1),
pp. 67–81. Available at: https://doi.org/10.33168/LISS.2021.0105.
Zhao, S. et al. (2024) ‘Revealing Determinants Shaping The Sustainable Consumption Of Single-Use Plastic Food Container Substitutes’, Environmental Impact Assessment Review, 110(107670), pp. 1–12. Available at: https://doi.org/10.1016/j.eiar.2024.107670.
Zhou, Q., Sotiriadis, M. and Shen, S. (2023) ‘Using Tiktok In Tourism Destination Choice: A Young Chinese Tourists’ Perspective’, Tourism Management Perspectives, 46(101101), pp. 1–14.
Available at: https://doi.org/10.1016/j.tmp.2023.10110.
