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September 5, 2025East Asian Journal of Multidisciplinary ResearchOpen Access

The Influence of Performance Expectations, Effort Expectations, Supportive Conditions, Social Influence, Risk, and Trust on Usage Behavior with Behavioral Intent as a Mediator (Case Study of MYBCA Adoption Among Generation Z)

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Authors

IPIntan PermatasariUniversitas Muhammadiyah SurabayaPMPutu Nina MadiawatiTelkom UniversityMPMahir PradanaBandung Institute of Technology

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Overview

Quantitative analysis reveals effort expectancy and trust significantly impact behavioral intention in Generation Z, suggesting improved mobile banking adoption strategies.

Key Points

  • Behavioral intention strongly mediates the relationship between adoption factors and use behavior.
  • Effort expectancy and behavioral intention directly impact use behavior among Generation Z users.
  • Partial Least Square - Structural Equation Modeling demonstrates significant findings with 400 respondents.
  • The UTAUT model supports understanding mobile banking adoption, guiding BCA's digital service enhancements.

Cite This Study

Permatasari et al. (2025) studied this question.

synapsesocial.com/papers/68bb5f586d6d5674bcd03770https://doi.org/10.55927/eajmr.v4i8.334
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Also Consider

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  1. 1Behavioral intention among gen z an analysis of digital banking adaptation factors in Jabodetabek2024 · 1 citations
  2. 2Unlocking the Potential of Continue Intention to Use of MyBCA between Generations2024
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  4. 4The Influence of Attitude and Perceived Risk to Optimize Intention to Adopt Based on Theory of Planned Behavior in Generation Z2024 · 3 citations
  5. 5The use of UTAUT model to understand user intention and user behavior of mobile banking BIMA PT Bank Jateng2025