A COMPARATIVE ANALYSIS OF PERCEIVED EASE OF USAGE DECISION OF E-BANKING IN Y AND Z GENERATION
Keywords:
Perceived Ease of Use; E-Banking; Y Generation; Z Generation.Abstract
Consumer perceived ease of use is one of the important factors influencing the Y and Z generation usage decision of Mobile Banking. This study aims to compare the constructs of perceived ease of use in Y and Z generations in the context of digital banking. Sampling was done by purposive sampling method. Respondents are consumers among Y and Z generations with a total of 44 respondents. Data was collected using a questionnaire. Data analysis was performed using the Mann-Whitney U test through SPSS software version 20. The results showed no significant difference between the Y and Z generations in terms of usage decision of E-Banking based on perceived ease of use.
Downloads
References
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly: Management Information Systems, 13(3), 319–339. https://doi.org/10.2307/249008
Dolot, A. (2018). The characteristics of Generation Z. E-Mentor, 74, 44–50. https://doi.org/10.15219/em74.1351
Ermawati, N., & Delima, Z. M. (2016). PENGARUH PERSEPSI KEMUDAHAN PENGGUNAAN, PERSEPSI KEGUNAAN, dan PENGALAMAN TERHADAP MINAT WAJIB PAJAK MENGGUNAKAN SISTEM E-FILING. Jurnal Akuntansi Indonesia, 5(2), 163–174. http://jurnal.unissula.ac.id/index.php/jai/article/view/895/731
Flavia’n C, & M. Guinali’u. (2006). Consumer Trust, Perceived Security and Privacy Policy Three Basic Elements of Loyalty to a Web Site. Industrial Management & Data Systems, 106(5), 601620.
Francis, T., & Hoefel, F. (2018). “True Gen”: Generation Z and its implications for companies. McKinsey & Company. https://www.mckinsey.com/industries/consumer-packaged-goods/our-insights/true-gen-generation-z-and-its-implications-for-companies
Hamid, A. Abd., Razak, F. Z. A., Bakar, A. A., & Abdullah, W. S. W. (2016). The Effects of Perceived Usefulness and Perceived Ease of Use on Continuance Intention to Use E-Government. Procedia Economics and Finance, 35, 644–649. https://doi.org/10.1016/s2212-5671(16)00079-4
Istiarni, P. R. D., & Hadiprajitno, P. B. (2014). Analisis Pengaruh Persepsi Manfaat, Kemudahan Penggunaan Dan Kredibilitas Terhadap Minat Penggunaan Berulang Internet Banking Dengan Sikap Penggunaan Sebagai Variabel Intervening (Studi Empiris: Nasabah Layanan Internet Banking di Indonesia). Diponegoro Journal of Accounting, 03, 1–10. http://ejournal-s1.undip.ac.id/index.php/accounting
Malik, A. N. A., & Annuar, S. N. S. (2019). The effect of perceived usefulness, perceived ease of use, trust and perceived risk toward E-wallet usage. Insight Journal (IJ). https://ir.uitm.edu.my/id/eprint/42297/
Nangin, M. A., Rasita, I., Barus, G., & Wahyoedi, S. (2020). The Effects of Perceived Ease of Use, Security, and Promotion on Trust and Its Implications on Fintech Adoption. In Journal of Consumer Sciences E (Vol. 05, Issue 02).
Nia, F., Sekolah, A., Teknologi, T., & Yogyakarta, K. (2022). The Effect of Service Quality and Security Facilities on Service User Satisfaction at UPBU Rahadi Oesman Ketapang. Jurnal Multidisiplin Madani (MUDIMA), 2(4), 1653–1662. https://journal.yp3a.org/index.php/mudima/index
Rahmad, A. D., Astuti, E. S., & Riyadi. (2017). Pengaruh Kemudahan Terhadap Kepercayaan Dan Penggunaan Sms Banking (Studi pada Mahasiswa Jurusan Administrasi Bisnis Universitas Brawijaya). Jurnal Administrasi Bisnis (JAB)|Vol, 43(1). https://media.neliti.com/media/publications/87708-ID-pengaruh-kemudahan-terhadap-kepercayaan.pdf
Rikantasari, S. (2020). Pengambilan Keputusan Investasi Generasi Y dan Strategi Peningkatan Jumlah nasabah Terhadap Produk Tabungan Emas di Pegadaian Syariah Cabang Babakan, Kota Surabaya. Jurnal Pemikiran Dan Penelitian Ekonomi Islam, 8(2), 91–105.
Safitri, R., & Arifin, A. L. (2022). THE EFFECT OF PERCEPTION OF EASY AND PERCEPTION OF BENEFITS ON INTEREST IN USING J&T EXPRESS APPLICATION (Vol. 7, Issue 1). https://jurnalekonomi.unisla.ac.id/index.php/jpimhttp://dx.doi.org/10.30736%2Fjpim.v1i2.28
Shafly, N. A. (2020). PENERAPAN MODEL UTAUT2 UNTUK MENJELASKAN BEHAVIORAL INTENTION DAN USE BEHAVIOR PENGGUNAAN MOBILE BANKING DI KOTA MALANG. Fakultas Ekonomi Dan Bisnis Universitas Brawijaya Malang. https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=&ved=2ahUKEwiK9PD0qOb7AhUDUGwGHUw_DlcQFnoECBsQAQ&url=https%3A%2F%2Fjimfeb.ub.ac.id%2Findex.php%2Fjimfeb%2Farticle%2Fdownload%2F6535%2F5706&usg=AOvVaw3okyC619usA2WwYcy1knKA
Wijaya, I. G. N. S., & Ekayasa, M. D. (2022). Perilaku Keputusan Pembelian Generasi Y dan Z dalam Penggunaan E-Commerce di Masa Pasca Pandemi. JURNAL NUSANTARA APLIKASI MANAJEMEN BISNIS, 7(2), 338–357. https://doi.org/10.29407/nusamba.v7i2.18357
Wilson, N., Alvita, M., & Wibisono, J. (2021). THE EFFECT OF PERCEIVED EASE OF USE AND PERCEIVED SECURITY TOWARD SATISFACTION AND REPURCHASE INTENTION. Jurnal Muara Ilmu Ekonomi Dan Bisnis, 5(1), 145. https://doi.org/10.24912/jmieb.v5i1.10489
Zis, S. F., Effendi, N., & Roem, E. R. (2021). Perubahan Perilaku Komunikasi Generasi Milenial dan Generasi Z di Era Digital. Satwika : Kajian Ilmu Budaya Dan Perubahan Sosial, 5(1), 69–87. https://doi.org/10.22219/satwika.v5i1.15550