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The study aims to explore factors affecting Generation Z's behavioral intention towards mobile banking in Bangladesh.

January 27, 2026Environment Innovation and Management

Extending UTAUT2 with Perceived Usefulness for Gen Z Mobile Banking Behavior in Bangladesh

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Analysis reveals factors influencing mobile banking adoption in Generation Z, suggesting enhanced strategies for growth.

The study aims to explore factors affecting Generation Z's behavioral intention towards mobile banking in Bangladesh.
Utilized the UTAUT2 framework with an extension for perceived usefulness.
Analyzed data from 356 mobile banking users.
Employed Partial Least Squares Structural Equation Modeling (PLS-SEM) for analysis.
Performance expectancy, social influence, facilitating conditions, habit, and price value positively influence behavioral intention.
Effort expectancy has a negative relationship with behavioral intention, indicating ease of use alone isn't enough for adoption.
Perceived usefulness moderates the relationship between behavioral intention and actual mobile banking usage.

Islam et al. (2025) studied this question.

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