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All Journal Jurnal Sains Sosio Humaniora Danadyaksa: Post Modern Economy Journal
Putri, Nyayu Khalilah
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Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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Understanding Generation Z’s Intention to Use Digital Banks: The Role of Perceived Usefulness and Attitude Putri, Nyayu Khalilah; Sulastri, Sulastri; Adam, Mohamad; Yuliani, Yuliani
Danadyaksa: Post Modern Economy Journal Vol. 3 No. 2 (2026): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v3i2.156

Abstract

The rapid growth of digital banking services has transformed the financial industry, particularly in attracting younger consumers who are highly dependent on technology. However, understanding the behavioral factors that influence digital banking adoption remains a critical challenge for financial institutions. This study aims to analyze the determinants of Generation Z’s intention to use digital banking services by applying the Technology Acceptance Model, with a particular focus on the mediating role of attitude. Using a quantitative research design, data were collected from 100 Generation Z respondents through purposive sampling. The study examines the relationships among perceived usefulness, attitude, and intention to use digital banking. The results indicate that perceived usefulness has a positive and significant effect on both attitude and intention to use, while attitude significantly mediates the relationship between perceived usefulness and usage intention. The findings demonstrate that users’ perceptions of functional benefits, efficiency, and convenience play a crucial role in shaping favorable attitudes and strengthening adoption behavior. This study highlights the importance of integrating technological value and user-centered design in digital banking services. By providing empirical evidence on Generation Z’s technology acceptance behavior, this research contributes to the literature on digital finance and offers practical implications for banks in developing effective digital strategies to enhance customer engagement and long-term adoption.
Loan Portfolio Composition and Bank Risk: An Accounting-Based Evidence from Asia-Pacific Countries Febrianti, Devi; Putri, Nyayu Khalilah; Oktarini, Kurnia Widya; Firza, Edy; Saputri, Ulfah Tika; Dwi Anugrah, Meilinda
Jurnal Sains Sosio Humaniora Vol. 9 No. 2 (2025): Volume 9, Nomor 2 Desember 2025
Publisher : LPPM Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jssh.v9i2.54982

Abstract

This study aims to examine the effect of loan portfolio composition on bank risk in Asia-Pacific countries. From a banking accounting perspective, loan portfolio composition represents a key component of earning assets, reflecting asset quality, credit risk exposure, and the effectiveness of banks in managing income sources and risk. The relationship between loan portfolio composition and bank risk remains inconclusive in both theoretical and empirical literature. On the flip side, a more diversified loan portfolio may reduce risk through diversification benefits. On the other hand, increased diversification may also lead to higher complexity, potential moral hazard, and excessive risk-taking behavior. This study employs data from commercial banks across 15 Asia-Pacific countries over the period 2011–2022. Bank risk is measured using the Ln.Z-score, while loan portfolio composition is proxied by income diversification. The results indicate that loan portfolio composition has a negative effect on bank risk, suggesting that banks with more diversified loan portfolios tend to have lower risk and greater income stability. This study contributes to the banking accounting literature by highlighting that loan portfolio composition is not only an intermediation instrument but also an important indicator of asset quality, credit risk, and financial stability. The findings provide practical implications for regulators and bank management in strengthening risk measurement, reporting, and monitoring systems.
Co-Authors Dwi Anugrah, Meilinda Edy Firza Febrianti, Devi Mohamad Adam Oktarini, Kurnia Widya Saputri, Ulfah Tika Sulastri Sulastri Yuliani Yuliani