Analyzing the Factors Influencing the Use of Digital Banking Services among Generation Z

The growth of transaction values in the digital banking sector in Indonesia has experienced substantial expansion. Generation Z has transitioned into the realm of digital banking customers. Given that young individuals tend to be early adopters of emerging innovations and concepts, they are poised to emerge as the primary and most lucrative customer segment shortly. The purpose of this study is to investigate whether digital opportunity, digital behavior, perceived usefulness, and perceived ease of use have significant influences on Gen Z’s digital banking intention. Questionnaires were disseminated through social media platforms. The questionnaire yielded 428 respondents and was analyzed using SmartPLS. The results reveal the four predicted variables have significantly positive impacts on the intention in using digital banking services.