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Journal : International Journal of Scientific Multidisciplinary Research (IJSMR)

The Influence of Interest and Benefits of Using Mobile Banking on the Financial Behavior of Generation Z at PT Bank Sumut Central Medan City Kristiani Erlin Telaumbanua; Yeni Ariesa
International Journal of Scientific Multidisciplinary Research Vol. 2 No. 7 (2024): July 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijsmr.v2i7.10380

Abstract

This study was carried out in Medan City at PT Bank Sumut Central. The aim of this study was to ascertain the degree of PT Bank Sumut Medan City Center customers' interest in using mobile banking, as well as the advantages of doing so and their financial behavior with regard to Generation Z. The reason mobile banking is so simple to use is that generation Z can pick up the basics of using it quickly since the system is intuitive, clear, and uncomplicated. This study used a quantitative approach, processing data from 150 generation Z clients through the use of SPSS. The study's findings show that interest in using mobile banking (X1) did not have a significant effect, at least not in the partial sense (t test). favorable and noteworthy impact on the financial behavior of Generation Z (Y). This is evident from the significance value obtained (1.000 > 0.05) and the computed t value, which is less than the t table (0.000 < 1.986), indicating that Ha is rejected and Ho is accepted. The Benefits of Using Mobile Banking (X2) did not significantly and favorably affect Generation Z's financial behavior (Y), according to partial data (t test). This is evident from the significance value obtained (1.000 > 0.05) and the computed t value, which is less than the t table (0.000 < 1.986), indicating that Ha is rejected and Ho is accepted
The Influence of Interest in Using M-Banking on the Gen-Z Generation Darvin Krisnajaya; Yeni Ariesa
International Journal of Scientific Multidisciplinary Research Vol. 2 No. 8 (2024): August 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijsmr.v2i8.11114

Abstract

The aim of this research is to determine the influence of interest in using m- banking on generation Z. Mobile banking is a bank payment transaction service that allows customers to carry out various transactions using smartphones. Generation Z manages their money using mobile banking which provides ease of access, greater control over personal finances, and a more efficient and secure banking experience. Data collection was carried out through primary and secondary data. Data collection through interviews, questionnaires and documentation studies. The research method uses quantitative methods with a sample size of 100 students. Data testing was carried out by carrying out classic assumption tests, regression tests and hypothesis testing using SPSS. The results of the research show that m-banking has a positive and significant influence on Generation Z. Increasing education and socialization features are very necessary, considering that ease of use and perceived benefits play an important role in the adoption of this technology. Service providers can collaborate with campuses to hold seminars or workshops that provide students with a deeper understanding of the benefits and effective ways of using M-Banking