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"Banyak susunan perbankan tradisional telah berubah sebagai akibat dari revolusi teknologi baru di sektor keuangan. Beberapa elemen telah memengaruhi opini masyarakat tentang pentingnya perbankan digital. Salah satu cara yang dilakukan perusahaan untuk memberikan nilai lebih kepada konsumen adalah dengan menghadirkan transformasi digital yang dirancang khusus untuk menyesuaikan dengan kebutuhan dan preferensi mereka serta menggunakan perangkat mobile seperti ponsel untuk mengakses layanan perbankan. Penelitian ini bertujuan untuk menguji pengaruh performance expectancy, effort expectancy, facilitating conditions, hedonic motivation, habit, dan price value terhadap behavioral intention untuk mengadopsi penggunaan bank digital. Penelitian ini mengumpulkan data dari 243 responden berusia 17-27 tahun yang berdomisili di Jabodetabek, memiliki pengalaman bertransaksi secara luring, dan memiliki setidaknya satu rekening bank digital. Partial Least Squares Structural Equation Modeling (PLS-SEM) kemudian digunakan untuk memproses data yang dikumpulkan. Temuan dari penelitian ini menunjukkan bahwa effort expectancy, facilitating conditions, dan habit berpengaruh positif terhadap behavioral intention untuk menggunakan bank digital.

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Many traditional banking arrangements have changed as a result of the financial sector's new technological revolution. Some of the elements that have influenced people's opinions of the significance of digital banking.  One method the company seeks to provide consumers with more value is by delivering digital transformations that are especially designed to match their needs and preferences and that use mobile devices such as cell phones to access banking services. This study aims to examine the effect of performance expectancy, effort expectancy, facilitating conditions, hedonic motivation, habit, and price value to behavioral intention of adopting digital banking. This study collects data from 243 respondents aged 17 to 27 who live in Jabodetabek area, had experienced to do offline transaction, and have at least one digital bank account. Partial Least Squares Structural Equation Modeling (PLS-SEM) was then used to process the data collected. The findings of this study shows that shows that effort expectancy, facilitating condition, and habit has a positive effect on behavioral intention on using digital banking."

"Penelitian ini bertujuan untuk menganalisis pengaruh financial literacy confidence terhadap retirement planning pada Gen-Z di wilayah Jabodetabek. Generasi Z, sebagai kelompok yang sedang memasuki usia produktif, sering kali menunjukkan pola perilaku "soft savings" yang dapat menghambat perencanaan pensiun dini. Berdasarkan penelitian sebelumnya, financial literacy berperan penting dalam meningkatkan kesadaran dan tindakan perencanaan pensiun. Metode penelitian yang digunakan adalah survei kuantitatif dengan kuesioner yang disebarkan secara online kepada 237 responden dari Generasi Z yang berdomisili di Jabodetabek dan memiliki Kartu Tanda Penduduk (KTP). Analisis data dilakukan menggunakan regresi linear berganda untuk menguji hubungan antara variabel financial literacy confidence dan retirement planning, dengan mempertimbangkan variabel kontrol seperti usia, jenis kelamin, tingkat pendidikan, status pernikahan, tingkat pendapatan, dan kepemilikan anak. Hasil penelitian menunjukkan bahwa terdapat pengaruh signifikan antara financial literacy confidence terhadap retirement planning. Individu dengan financial literacy confidence tinggi cenderung lebih baik dalam merencanakan pensiun mereka. Penelitian ini memberikan kontribusi dalam memahami pentingnya financial literacy confidence bagi Gen-Z, serta implikasinya terhadap kebijakan peningkatan financial literacy untuk mendukung retirement planning di Indonesia khususnya Jabodetabek.

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This study aims to analyze the effect of financial literacy confidence on retirement planning in Gen-Z in the Jabodetabek area. Generation Z, as a group that is entering productive age, often exhibits "soft savings" behavior patterns that can hinder early retirement planning. Based on previous research, financial literacy plays an important role in increasing awareness and action on retirement planning. The research method used was a quantitative survey with a questionnaire distributed online to 237 respondents from Generation Z who live in Jabodetabek and have an Identity Card (KTP). Data analysis was conducted using multiple linear regression to test the relationship between financial literacy confidence and retirement planning variables, considering control variables such as age, gender, education level, marital status, income level, and child ownership. The results show that there is a significant influence between financial literacy confidence and retirement planning. Individuals with high financial literacy confidence tend to be better at planning their retirement. This research contributes to understanding the importance of financial literacy confidence for Gen-Z, as well as the implications for policies to improve financial literacy to support retirement planning in Indonesia, especially Jabodetabek."

"Tujuan penetian ini adalah untuk menemukan faktor-faktor yang memengaruhi niat seseorang untuk berpindah ke perbankan syariah di kalangan Gen Y dan Gen Z. Sejumlah laporan menunjukkan kedua generasi tersebut mendominasi populasi Indonesia dan menjadi target potensial bagi industri perbankan syariah. Penelitian ini menguji pengaruh dari Sikap (Attitude), Norma Subyektif (Subjective Norms), Kontrol Perilaku (Perceived Behavioral Control), Relijiusitas (Religiosity), dan Kepercayaan pada Hari Akhir (Afterlife Beliefs) terhadap Niat (Intention) untuk berpindah ke perbankan syariah dalam konteks Teori Perilaku Terencana (Theory of Planned Behavior). Relijiusitas dan Kepercayaan pada Hari Akhir merupakan menjadi variabel tambahan ke dalam teori terkait sejumlah laporan bahwa generasi muda Indonesia sangat menaruh perhatian terhadap agama, mementingkan agama, dan hal ini jauh di atas tren global pada umumnya. Penelitian ini menggunakan metode SEM (Structural Equation Modelling) dengan melibatkan 371 responden dari kalangan Gen Y dan Gen Z yang memiliki rekening bank konvensional. Hasil penelitian menunjukkan bahwa variabel Kontrol Perilaku (Perceived Behavioral Control) menjadi faktor terkuat yang mempengaruhi niat untuk berpindah ke perbankan syariah. Penelitian ini diharapkan dapat membantu industri perbankan syariah untuk memahami karakter generasi muda Indonesia agar mampu memberikan solusi keuangan syariah yang terbaik bagi mereka

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The aim of this research is to explore the determinants that influence people’s intention to migrate to Islamic banking, especially among Gen-Y and Gen-Z in Indonesia. Reports show both generations have dominated the Indonesia’s population and become a potential market for Islamic banking industry. This research mainly focuses to examine the influence of Attitude, Subjective Norms, Perceived Behavioral Control, and Religiosity, and Afterlife Beliefs toward Intention to migrate to Islamic banking service in the context of the Theory of Planned Behavior (TPB). Religiosity and Afterlife Beliefs are proposed as additional variables on the TPB because reports show Indonesian youths are very concern about religion and faith compared to the global trend. This research used Structural Equation Modelling (SEM) and involves 371 respondents from Gen-Y and Gen-Z who have conventional bank account. The result shows Perceived Behavioral Control is the strongest predictor towards Intention to migrate to Islamic banking both for Gen-Y and Gen-Z. This result is expected to help Islamic banking industry practitioners to understand about the Indonesian youth’s mindset and in turn provide them the best Islamic financial solution."

"Penelitian ini bertujuan untuk menganalisis faktor yang mempengaruhi intensi untuk menggunakan bank digital syariah pada generasi Z di Indonesia dengan menggunakan Technology Acceptance Model. Sampel yang digunakan yaitu penduduk Indonesia beragama Islam yang termasuk dalam generasi Z dan belum pernah menggunakan bank digital syariah. Data yang berhasil dikumpulkan sebanyak 196 responden yang kemudian diolah dengan metode structural equation model-partial least square (SEM-PLS). Hasil penelitian ini menunjukkan bahwa attitude dan features memiliki peran penting terhadap intensi untuk menggunakan bank digital syariah dan attitude memediasi hubungan antara perceived usefulness, perceived ease of use, dan trust dengan intensi untuk menggunakan bank digital syariah.

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This study aims to analyse factors that influence intention to use Islamic digital banks in generation Z in Indonesia using the Technology Acceptance Model. The sample used is Indonesian Muslims who belong to generation Z and have never used Islamic digital banks. The data collected were 196 respondents processed using structural equation model-partial least square (SEM-PLS) method. The results of this study indicate that attitude and features have an important role in the intention to use Islamic digital banks and attitude mediates the relationship between perceived usefulness, perceived ease of use, and trust towards intention to use Islamic digital banks."

"Penelitian ini bertujuan untuk menganalisis faktor yang memengaruhi adopsi bank digital di Indonesia dengan menggunakan pendekatan Unified Theory of Acceptance and Usage of Technology (UTAUT) yang terdiri dari variabel Performance Expectancy, Effort Expectancy, Social Influence, dan penambahan variabel Perceived Risk, dan Initial Trust, dan Financial Literacy sebagai variabel moderasi. Penelitian ini menggunakan model penelitian Partial Least Square – Structural Equation Model (PLS-SEM) dengan menggunakan sampel sebanyak 250 individu (N=250) dengan kriteria belum memiliki akun bank digital dan sudah memiliki akun bank konvensional sebelumnya. Hasil dari penelitian menunjukan bahwa terdapat pengaruh yang positif dan signifikan dari Performance Expectancy, Effort Expectancy, Social Influence, Initial Trust terhadap adopsi bank digital di Indonesia dan financial literacy tidak dapat memoderasi pengaruh antara Effort Expectancy dan Performance Expectancy terhadap adopsi bank digital di Indonesia.

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This study aims to examine the effect of Performance Expectancy,Effort Expectanxy, Social Influence, Perceived Risk and Initial Trust toward Adoption Intention of digital banks in Indonesia with Financial Literacy as moderating variable. This study was conducted using PLS-SEM method to test the hypotheses and using Unified Theory of Acceptance and Usage of Technology (UTAUT) to address the adoption intention of digital bank in Indonesia. This study was conducted to 250 samples (n=250) of those who already have traditional bank account and never use digital bank before. The findings of this study is that there is a positive and significant effect from Performance Expectancy,Effort Expectanxy, Social Influence, Perceived Risk and Initial Trust toward Adoption Intention of digital banks in Indonesia, but there are no moderating effects from financial literacy for Effort Expectancy and Performance Expectancy to Intention to Adopt Digital Bank in Indonesia."

"Pesatnya pertumbuhan pemain game di Indonesia membuat game menjadi salah satu media beriklan yang menjanjikan untuk menggapai banyak audiens. Meskipun demikian, penelitian yang membahas periklanan dalam game masih sangat minim terutama di Indonesia. Untuk itu, penelitian ini bertujuan untuk mengetahui faktor-faktor yang meningkatkan nilai iklan pada iklan dalam game menggunakan Advertising Value Model dan dampaknya kepada intensi pembelian pemain game. Sampel yang digunakan dalam penelitian ini merupakan pemain game yang tergolong sebagai generasi Z dan berdomisili di wilayah Jabodetabek. Terdapat sebanyak 162 responden terkumpul yang menggunakan metode purposive sampling. Kemudian diolah dan dianalisis menggunakan Partial Least Square - Structural Equation Method (PLS-SEM). Hasil penelitian ini menunjukkan pentingnya nilai iklan dan membantu para pemasar dan pebisnis dalam memahami faktor apa saja yang penting dan relevan dalam membuat iklan yang dapat meningkatkan niat pembelian, khususnya dalam game. Advertising value direpresentasikan oleh informativeness, incentives, irritation, credibility, personalization, dan entertainment. Penelitian ini diharapkan dapat membantu perusahaan memahami pentingnya nilai iklan untuk meningkatkan intensi pembelian audiens.

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The rapid growth of gamers in Indonesia makes games one of the promising advertising media that can reach a large audience. However, research on in-game advertising is still too few, especially in Indonesia. Therefore, this study aims to determine the factors that increase the value of advertising on in-game ads using the Advertising Value Model and its impact towards gamers’ purchase intention. The samples used in this study are game players belonging to Generation Z and domiciled in the Jabodetabek Region. There were 162 respondents collected using a purposive sampling method. Then processed and analyzed using Partial Least Square - Structural Equation Method (PLS-SEM). The results of this study show the importance of the advertising value and help marketers and organizations to understand what factors are important and relevant in creating advertisements to increase purchase intention, especially in games. Advertising value is represented by informativeness, incentives, irritation, credibility, personalization, and entertainment. This research is expected to help companies to understand the importance of advertising value to increase audience purchase intention."

"Penelitian ini bertujuan untuk mengetahui pengaruh dari convenience, economic efficiency, functional risk, security risk, critical mass, number of services, dan trust terhadap adoption intention dan continuance intention pada konteks konsumen gen-z bank digital di Indonesia. Sampel yang diteliti terbagi dalam kedua kelompok non-adopters dan adopters bank digital di Indonesia yang merupakan warga negara indonesia yang lahir pada tahun 1995-2004 (generasi Z). Kuesioner dalam penelitian ini disebarluaskan secara online dan mencakup area geografis di seluruh Indonesia. Jumlah responden yang berhasil dikumpulkan pada penelitian ini adalah 440 responden, yang terbagi atas 2 kelompok non-adopters dan adopters yang masing-masing sejumlah 220 responden. Data yang sudah berhasil dikumpulkan diolah melalui metode Multiple Linear Regression menggunakan software IBM SPSS. Hasil penelitian ini menunjukkan bahwa economic efficiency, critical mass, number of services, dan trust memiliki pengaruh positif terhadap adoption intention. Sedangkan convenience, economic efficiency, number of services, dan trust memiliki pengaruh positif terhadap continuance intention. Selanjutnya hasil penelitian ini menunjukkan adanya perbedaan determinan behavioral intention pada kelompok non-adopters dan adopters. Terakhir, penelitian ini juga menunjukkan adanya perbedaan persepsi konsumen pada kelompok non-adopters dan adopters. Saran manajerial dan penelitian selanjutnya dibahas dalam penelitian ini.

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This study aims to determine the effect of convenience, economic efficiency, functional risk, security risk, critical mass, number of services, and trust on adoption intention and continuance intention in the context of gen-z consumers of digital banks in Indonesia. The sample studied was divided into two groups of non-adopters and adopters of digital banks in Indonesia who were Indonesian citizens born in 1995-2004 (generation Z). The questionnaires in this study were distributed online and covered geographical areas throughout Indonesia the number of respondents who were collected in this study were 440 respondents, which were divided into 2 groups of non-adopters and adopters, each of which was 220 respondents. The data that has been collected is processed using the Multiple Linear Regression method using IBM SPSS software. The results of this study indicate that economic efficiency, critical mass, number of services, and trust have a positive influence on adoption intention. Meanwhile, convenience, economic efficiency, number of services, and trust have a positive influence on continuance intention. Furthermore, the results of this study indicate that there are differences in the determinants of behavioral intention in the non-adopters and adopters stages. Finally, this study also shows that there are differences in consumer perceptions in the non-adopters and adopters stages. Managerial suggestions and further research are discussed in this study"

"Penelitian ini meneliti tentang sikap dan persepsi konsumen terhadap perceived relative advantage, perceived ease of use, dan perceived risk dalam mengadopsi motor listrik. Kendaraan motor listrik sangat efektif mengurangi ketergantungan bahan bakar fosil sehingga pencemeran lingkungan (CO2) dapat dikurangi. Berdasarkan kerangka stimulsorganism-response (SOR), penelitian ini bertujauan untuk mengeksplorasi apakah driving experience motor listrik dapat mempengaruhi kognisi dan emosi individual konsumen (perceived relative advantage, perceive ease of use, perceive risk) untuk mengadopsi motor listrik. Peneliti mendapatkan 112 responden di daerah Jabodetabek yang melakukan testdrive motor Listrik, dan kemudian data tersebut diolah menggunakan partial least squarestructural equation modeling (PLS-SEM) dengan bantuan software SmartPLS. Hasil analisis menunjukkan bahwa driving experience motor listrik tidak secara langsung mempengaruhi intensi konsumen untuk mengadopsi motor listrik. Akan tetapi, mendorong intensi adopsi motor listrik melalui perceived perceived relative advantage, perceived ease of use, dan perceived risk dari adopsi tersebut. Hasil penelitian ini membantu mengidentifikasi faktor-faktor penting yang mampu meningkatkan intensi konsumen untuk mengadopsi motor listrik.

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This study examines the infkueces of consumer experience, attitudes and perceptions towards intention to adopt electric motorcycles. Electric motorcycles are very effective in reducing dependence on fossil fuels, so that environmental pollution (CO2) can be reduced. Based on the stimulus-organism-response (SOR) framework, this study aims to explore whether the experience of riding electric motorcycles can influence individual consumer cognition and emotions (perceived relative advantage, perceived ease of use, perceived risk) to adopt electric motorcycles. This study obtained 112 respondents in the Jabodetabek area who conducted a test drive of electric motorcycles, and then the data was processed using partial least square-structural equation modeling (PLS-SEM) with the help of SmartPLS software. The results of the analysis show that the experience of riding electric motorcycles does not directly influence consumer intention to adopt electric motorcycles. However, it encourages the intention to adopt electric motorcycles through perceived perceived relative advantage, perceived ease of use, and perceived risk of adoption. The results of this study help to identify important factors that can increase consumer intention to adopt electric motorcycles."

"Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi intensi penggunaan mobile payment pada kalangan wisatawan Gen-Z di Indonesia melalui variabel perceived benefits, performance expectancy, effort expectancy, social influence, perceived cost, self-efficacy, perceived security dengan mediasi trust yang merupakan turunan dari kerangka teori Unified Theory of Acceptance and Use of Technology (UTAUT) dan Mental Accounting Theory (MAT). Untuk menguji hipotesis, penelitian ini menggunakan metode kuantitatif dengan single-cross sectional design dengan menggunakan online questionnaire sebagai alat pengumpulan data. Penelitian ini mengumpulkan 358 responden yang berasal dari kalangan Gen-Z Indonesia yang dalam jangka waktu satu tahun terakhir pernah berwisata ke luar negeri dan menggunakan mobile payment di negara tempat berwisata terkait. Data pada penelitian ini menggunakan metode Partial Least Square Structural Equation Modelling (PLS-SEM). Hasil dari penelitian ini menunjukkan adanya pengaruh dari perceived benefits, performance expectancy, effort expectancy, social influence, self-efficacy, dan trust kepada behavioural intention, tidak ditemukan pengaruh perceived cost dan perceived security kepada behavioural intention, tetapi ditemukan bahwa perceived security akan berpengaruh terhadap behavioural intention bila dimediasi oleh trust.

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This research aims to determine the factors that influence the intention to use mobile payments among Gen-Z tourists in Indonesia through the variables perceived benefits, performance expectancy, effort expectancy, social influence, perceived cost, self-efficacy, perceived security with the mediation of trust which is derived from the theoretical framework of the Unified Theory of Acceptance and Use of Technology (UTAUT) and Mental Accounting Theory (MAT). To test the hypothesis, this research uses a quantitative method with a single-cross sectional design using an online questionnaire as a data collection tool. This research collected 358 respondents from Gen-Z Indonesia who in the past year had traveled abroad and used mobile payments in the country they were traveling to. The data in this research uses the Partial Least Square Structural Equation Modeling method (PLS-SEM). The results of this research show that there is an influence of perceived benefits, performance expectancy, effort expectancy, social influence, self-efficacy, and trust on behavioral intention. There is no influence of perceived cost and perceived security on behavioral intention, but it is found that perceived security will have an effect on behavioral intention when mediated by trust."

"Proses pembelian konsumen sangat bergantung pada nilai psikologis individu. Oleh karena itu, kemampuan untuk memahami keadaan internal konsumen akan membantu menentukan persepsi dan sikap konsumen terhadap produk yang disesuaikan. Penelitian ini bertujuan Menganalisis pengaruh customization terhadap Gen Z di Jakarta pada pembelian barang customized fashion, Menganalisis pengaruh social identity dan self-identity terhadap Gen Z dalam pembelian barang customized fashion serta Menganalisis peran psikologis dalam customization terhadap Gen Z di pembelian barang customized fashion. Metode yang digunakan pada penelitian ini adalah metode kuantitatif dengan penggunaan SEM, serta metode kuantitatif untuk membantu penulis mengerti pasar lebh dalam Hasil analisis data menunjukkan bahwa beberapa faktor internal oriented structure dan external oriented structure dalam ketertarikan pada dunia customized fashion sangat tergantung dengan bagaimana persepsi lingkungan sosial tentang perilaku orang tersebut.

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Consumer buying process is very dependent on the value of individual psychology. Therfore, the ability to understand the internal state of consumers will help consumers perceptions and attitudes towards customized products. This study aims to analyze the effect of customization on gen Z in Jakarta on the purchase of customized fashion goods, analyze the effect of social identity and self-identity on gen Z in purchasing customized fashion goods and analyze the psychology role in customization of gen Z in purchasing customized fashion goods. The method used in this study is quantitative with the SEM technique and qualitative method as the basis of market research. The results of the data analysis show that several internal oriented structure factors in the interest in the world of customized fashion are very dependent on hom the social environment perrceives the person’s behavior."