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INDONESIA
EKUITAS (Jurnal Ekonomi dan Keuangan)
Published by Sekolah Tinggi Ilmu Ekonomi Indonesia Surabaya
ISSN : 2548298X     EISSN : 25485024     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Diterbitkan oleh Sekolah Tinggi ilmu Ekonomi Indonesia (STIESIA) Surabaya secara berkala (setiap tiga bulan) yaitu setiap Maret, Juni, September, dan Desember, dengan tujuan untuk menyebarluaskan hasil penelitian, pengkajian, dan pengembangan bidang ekonomi dan keuangan, khususnya bidang akuntansi, manajemen, pasar modal hukum bisnis, perpajakan, sistem informasi, serta bidang ekonomi dan keuangan lainnya. Artikel yang dipublikasikan dalam EKUITAS dapat berupa Artikel Penelitian maupun Artikel Konseptual (non-penelitian).
Arjuna Subject : -
Articles 641 Documents
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GENERATIONAL DIFFERENCES IN MOBILE BANKING USER EXPERIENCE: MODERATED MEDIATION AND MULTI-GROUP ANALYSIS Abdul Hakim; Melati Melati; Anas Anas; Asraf Yunus; Nofal Supriaddin
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 10 No 2 (2026): June
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24034/j25485024.y2026.v10.i2.7770

Abstract

This study examines mobile banking acceptance by extending the Unified Theory of Acceptance and Use of Technology (UTAUT) framework with use experience as a mediating mechanism and generation as a potential boundary condition. A quantitative survey was conducted among mobile banking users in Southeast Sulawesi, an archipelagic region characterized by heterogeneous digital access. The model includes performance expectancy, effort expectancy, social influence, use experience, and behavioral intention. The results indicate that effort expectancy and social influence significantly predict both use experience and behavioral intention, whereas performance expectancy does not have a significant direct effect. Use experience is positively associated with behavioral intention and mediates the effects of effort expectancy and social influence. The interaction tests do not support generation as a moderator of the antecedents of use experience. Group-specific estimates nevertheless show different descriptive patterns: effort expectancy is especially prominent among Generation Z, whereas performance expectancy and social influence are more evident in the Generation X behavioral-intention model. These group patterns should be interpreted cautiously unless formal between-group difference tests establish statistically significant differences.

Page 65 of 65 | Total Record : 641

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