Digital Bank Channel Distribution: Predictors of Usage Attitudes in Jakarta’s Gen Z

• 영문명: Digital Bank Channel Distribution: Predictors of Usage Attitudes in Jakarta’s Gen Z
• 발행기관: 한국유통과학회
• 저자명: Eko Retno INDRIYARTI Michael CHRISTIAN Henilia YULITA Titik ARYATI Regina Jansen ARSJAH
• 간행물 정보: 『유통과학연구(JDS)』제21권 제2호, 21~34쪽, 전체 14쪽
• 주제분류: 경제경영 > 경제학
• 파일형태: PDF
• 발행일자: 2023.02.28

영문 초록

Purpose: The goal of this study is to examine what makes young people more likely to use digital banking. This is because digital banking services and their distribution channels are technologically advanced, which can be a double-edged sword between ease of use and resistance to technology. Research design, data and methodology: This study included 320 participants from generation Z in Jakarta who use digital bank and used a quantitative method with PLS-SEM. Results: This study explains how, in addition to usefulness, costs, and self-efficacy, resistance to technology has a direct effect on usage attitudes. Meanwhile, if the attitude of use is preceded by aspects of usefulness, self-efficacy, and awareness, resistance to technology will be felt indirectly. Conclusions: This demonstrated that most discussed factors, such as Ease-of-Use and security of use, are important for Generation Z users but no longer a major consideration in accepting digital banking. Aside from being more open to the use of technology in digital banks, Generation Z also desires a balance of technology services and benefits. The limitations of this study are that it excludes social variables, uses certain generations, and limits the research area to one large city, which can be expanded in future studies.

목차

1. Introduction

2. Literature Review

3. Research Methods and Materials

4. Results and Discussion

5. Conclusions

6. Implications

7. Limitations of the Study and Recommendation Future Research

References

키워드

Channel Distribution Digital Bank User Attitude Technology Resistance Gen Z