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Digital Bank Channel Distribution: Predictors of Usage Attitudes in Jakarta’s Gen Z
Eko Retno INDRIYARTI(Eko Retno INDRIYARTI ),Michael CHRISTIAN(Michael CHRISTIAN ),Henilia YULITA(Henilia YULITA ),Titik ARYATI(Titik ARYATI ),Regina Jansen ARSJAH(Regina Jansen ARSJAH ) 한국유통과학회 2023 유통과학연구 Vol.21 No.2
Purpose: The goal of this study is to examine what makes young people more likely to use digital banking. This is because digital banking services and their distribution channels are technologically advanced, which can be a double-edged sword between ease of use and resistance to technology. Research design, data and methodology: This study included 320 participants from generation Z in Jakarta who use digital bank and used a quantitative method with PLS-SEM. Results: This study explains how, in addition to usefulness, costs, and self-efficacy, resistance to technology has a direct effect on usage attitudes. Meanwhile, if the attitude of use is preceded by aspects of usefulness, self-efficacy, and awareness, resistance to technology will be felt indirectly. Conclusions: This demonstrated that most discussed factors, such as Ease-of-Use and security of use, are important for Generation Z users but no longer a major consideration in accepting digital banking. Aside from being more open to the use of technology in digital banks, Generation Z also desires a balance of technology services and benefits. The limitations of this study are that it excludes social variables, uses certain generations, and limits the research area to one large city, which can be expanded in future studies.
Online Food Delivery App Distribution and Determinants of Jakarta's Gen Z Spending Habits
INDRIYARTI Eko Retno,CHRISTIAN Michael,YULITA Henilia,RUMINDA Marthaleina,Sunarno SUNARNO,WIBOWO Suryo 한국유통과학회 2022 유통과학연구 Vol.20 No.7
Purpose: Considering the COVID-19 pandemic and the increasing number of online food delivery applications (OFDA), this study aims to assess the distribution of the presence of Indonesian OFDA and to measure the factors that influence the spending habits of OFDA users. Research design, data and methodology: Two hundred and nine OFDA users from Jakarta’s Generation Z were surveyed via a questionnaire. The data were analyzed using Structural Equation Modeling and SMART PLS 3.0. Results: OFDAs were introduced into Indonesia in the recent past with varying degrees of popularity determined by the number of downloads. Users’ intention to use was not determined by the speed of the introduction of an OFDA. This study also reveals that previous experience of the service, the orientation of time and price savings had a significant effect on spending habits. A moderating role of the saving variable on time and price was not demonstrated. Conclusions: The results of the study suggest that, in COVID-19 pandemic conditions, the spending habits of Generation Z are not based on impulse, thrift, or extravagance. The pandemic shaped specific motivations in spending habits, namely prioritizing need. This study has limitations, including the small sample size and the use of internal variables.