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All Journal Journal of Finance and Islamic Banking
Muhammad Ridwan Bakhtiar
Unknown Affiliation
Religion Economics, Econometrics & Finance Social Sciences

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Technology Acceptance and the Use of Non-Cash Payment Systems: Empirical Evidence from Generation Y and Z Dijan Novia Saka; Muhamad Wildan Fawaid; Muhammad Ridwan Bakhtiar; Muhammad Alfasa Ilham Haq; Mahammadaree Waeno
Journal of Finance and Islamic Banking Vol. 8 No. 1 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v8i1.11872

Abstract

Purpose: This study aims to examine the determinants influencing the use of non-cash transaction services among Generation Y and Z, focusing on the application of the Unified Theory of Acceptance and Use of Technology (UTAUT) model. Method: This research adopts a quantitative approach using convenience sampling with a total of 713 respondents. Data analysis techniques include descriptive statistics, Partial Least Square (PLS) regression, and path model analysis using SmartPLS and Microsoft Excel. Results: The results indicate that all latent variables—performance expectancy, facilitating conditions, social influence, risk perception, and trust perception—have a significant influence on the intention to use non-cash transaction services. Although effort expectancy shows a positive relationship, its effect is not statistically significant. Implication: The findings offer valuable insights for digital financial service providers and policymakers to enhance system accessibility, trust, and user convenience to encourage broader adoption among tech-savvy generations. Originality: This study contributes to the digital payment literature by integrating technological, social, and psychological factors within the UTAUT framework, specifically targeting Generation Y and Z as key demographic groups driving the future of cashless economies.
Co-Authors Dijan Novia Saka Mahammadaree Waeno Muhamad Wildan Fawaid Muhammad Alfasa Ilham Haq