Pengaruh Technology Acceptance Model Terhadap Adopsi Mobile Banking  BYOND dengan Minat Pengguna Sebagai Mediasi pada Generasi Z di Kota Jambi

Ayu Minarsi; Titin Agustin Nengsih; Anzu Elvira Zahara

doi:10.35896/jse.v7i1.1354

Ayu Minarsi UIN Sulthan Thaha Saifuddin Jambi
Titin Agustin Nengsih UIN Sulthan Thaha Saifuddin Jambi
Anzu Elvira Zahara UIN Sulthan Thaha Saifuddin Jambi

DOI: https://doi.org/10.35896/jse.v7i1.1354

Keywords: Technology Acceptance Model, perceived ease of use, perceived usefulness, interest in use, technology adoption, BYOND, Generation Z

Abstract

This study aims to analyze the factors influencing the adoption of BYOND mobile banking among Generation Z in Jambi City using the Technology Acceptance Model (TAM) approach. This study uses a quantitative approach with a survey method of 384 Generation Z respondents in Jambi City selected using a purposive sampling technique. Data were collected through questionnaires and analyzed using the Structural Equation Modeling-Partial Least Square (SEM-PLS) method with the help of the SmartPLS application. The research variables include perceived ease of use and perceived usefulness as independent variables, intention to use as a mediating variable, and technology adoption as a dependent variable. The results show that perceived ease of use and perceived usefulness have a positive and significant effect on the intention to use BYOND mobile banking. Both variables are also proven to have a positive and significant effect on technology adoption. Furthermore, intention to use has a positive and significant effect on the adoption of BYOND technology. The results of the mediation test indicate that intention to use is able to mediate the influence of perceived ease of use and perceived usefulness on technology adoption. These findings suggest that Generation Z's BYOND adoption process is influenced not only by perceived convenience and immediate benefits, but also by the development of interest in using the app. This research implies that increasing BYOND adoption needs to be directed at enhancing ease of use, enhancing service benefits, and creating a user experience that can foster continued interest in use.

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