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All Journal Business Management Journal Program Studi Manajemen
Jolin, Jolin
Universitas Internasional Batam
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Niat Adopsi Generasi Z terhadap Solusi Pembayaran Digital FinTech Candy, Candy; Budiman, Johny; Licca, Vellia; Oscar, Franky; Jolin, Jolin; Priscillia, Viviona
Business Management Journal Vol 21, No 2 (2025): Business Management Journal
Publisher : Universitas Bunda Mulia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30813/bmj.v21i2.8822

Abstract

This study aims to address a research gap by comprehensively analyzing the interactions and contributions of performance expectancy, self-efficacy, and customer satisfaction to Generation Z’s behavioral intention to adopt FinTech-based digital payments. Data were collected through a questionnaire distributed to 198 respondents in Batam City from September to December 2024. The study employs the Unified Theory of Acceptance and Use of Technology (UTAUT) framework, incorporating customer satisfaction as a mediating variable. The primary variables analyzed include performance expectancy, self-efficacy, customer satisfaction, and behavioral intention. Partial Least Squares Structural Equation Modeling (PLS-SEM), supported by SmartPLS software, was used for data analysis. The results indicate that performance expectancy significantly affects both customer satisfaction and behavioral intention, while self-efficacy significantly affects only customer satisfaction. Furthermore, customer satisfaction is shown to mediate the relationship between both performance expectancy and self-efficacy with behavioral intention.
Co-Authors Budiman, Johny Candy, Candy Licca, Vellia Oscar, Franky Priscillia, Viviona