EXPLORING GEN Z'S BEHAVIORAL INTENTIONS TO USE SHARIA MOBILE BANKING WITH A UTAUT PERSPECTIVE

Abstrak

Limited technological literacy, especially among the older generation and rural communities, as well as lack of promotion and education, has led to low adoption of digital Islamic banking, so an effective strategy is needed to expand its use. The population in this study was generation Z with potential users of Islamic mobile banking services in Indonesia, with a focus on users who have knowledge or experience in using Islamic-based mobile banking services. The number of samples taken was 450 respondents using the purposive sampling method to ensure that respondents met the established criteria, namely potential users who are familiar with Islamic mobile banking. The results of the study showed thatPerformance Expectancy, Effort Expectancy, Facilitating Condition,has a significant positive effect on Behavioral Intention to Adopt Islamic Mobile Banking and Social Influence has a significant negative effect on Behavioral Intention to Adopt Islamic Mobile Banking. Performance Expectancy does not have a significant effect on Behavioral Intention to Adopt Islamic Mobile Banking which is moderated by Trust. Effort Expectancy, Social Influence, Facilitating Condition have a significant negative effect on Behavioral Intention to Adopt Islamic Mobile Banking which is moderated by Trust.