Technology Acceptance Model (TAM) in Mobile Banking Usage Among Generation Z in Indonesia

DOI

10.2991/978-94-6463-862-2_13How to use a DOI?

Keywords

Perceived Benefits; Perceived Ease of Use; Social Influence; Experience; Trust; Mobile Banking Usage; Technology Acceptance Model (TAM)

Abstract

This study aims to determine the use of mobile banking amongst generation Z in the Wonosobo Regency with the Technology Acceptance Model (TAM) approach. This analysis uses independent variables, namely perceived benefits, perceived ease of use, social influence, experience and trust. And the dependent variable is the use of mobile banking.

The sample in this study was Generation Z in Wonosobo Regency. Data collection was carried out by questionnaires distributed online to Generation Z in Wonosobo Regency, which obtained 398 respondents. This research is a quantitative method. The population of this study was 137,182 Generation Z in Wonosobo Regency. The sampling technique used the slovin formula. The data analysis method uses multiple linear regression analysis.

The results showed that: [1] There is a positive effect of perceived benefits on mobile banking users with a t_value of 10.497 and a significance value of 0.000. [2] There is a positive effect of perceived ease of use on mobile banking users with a t_value of 7.520 and a significance value of 0.000. [3] There is a positive effect of social influence on mobile banking users with a calculated t_value of 2.220 and a significance value of 0.027. [4] There is a positive effect of experience on mobile banking users with a calculated t_value of 7.137 and a significance value of 0.000. [5] There is a positive effect of trust on mobile banking users with a t_value of 2.212 and a significance value of 0.028.

The results of this study are expected to provide benefits and contributions to mobile banking service provider companies, so that they can be used as a strategic reference by banks in developing features and designing marketing campaigns that are in line with the characteristics and needs of the younger generation who are adaptive to digital technology.

Copyright

© 2025 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Dwi Ana Kusumaning Tyas
AU  - M. Trihudiyatmanto
AU  - Heri Purwanto
AU  - Bahtiar Efendi
AU  - Agus Putranto
PY  - 2025
DA  - 2025/10/27
TI  - Technology Acceptance Model (TAM) in Mobile Banking Usage Among Generation Z in Indonesia
BT  - Proceedings of the 2nd International Conference on Business, Accounting, Banking, and Economics (ICBABE 2025)
PB  - Atlantis Press
SP  - 167
EP  - 178
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-862-2_13
DO  - 10.2991/978-94-6463-862-2_13
ID  - Tyas2025
ER  -