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All Journal Ekopedia: Jurnal Ilmiah Ekonomi
Aimar Rafli Marzuki
Universitas Negeri Jakarta
Economics, Econometrics & Finance

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Pengaruh AI-Driven Personalized Financial Services dan Mobile Banking Security terhadap Continuance Intention dengan Customer Trust Sebagai Mediasi Aimar Rafli Marzuki; Munawaroh Munawaroh; Ringga Sentagi Asa
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 3 (2026): JULI-SEPTEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/tyfkf759

Abstract

This study aims to analyze the influence of AI-Driven Personalized Financial Services and Mobile Banking Security on Continuance Intention, with Customer Trust as a mediating variable, among Generation Z users of Bank Jago in Jabodetabek. This research employs a quantitative approach using a survey method and PLS-SEM analysis based on the Stimulus-Organism-Response framework. The sample consists of 300 respondents selected through purposive sampling and analyzed using SmartPLS. The results show that both stimulus variables have a positive and significant effect on Continuance Intention and Customer Trust, and Customer Trust has a positive and significant effect on Continuance Intention while partially mediating both relationships. AI-Driven Personalized Financial Services is the strongest predictor of trust, while Customer Trust is the strongest predictor of Continuance Intention, explaining 39.3% of its variance. These findings highlight the importance of AI-based personalization, security, and trust-building in sustaining neobank usage among Generation Z.
Co-Authors Munawaroh Munawaroh Ringga Sentagi Asa