The Effect of Perceived Ease of Use and Perceived Usefulness on MyBCA’s Intention to Use in Gen Z
DOI:
https://doi.org/10.64243/JODIGBI.01.5.08Keywords:
Perceived Ease of Use, Perceived Usefulness, Trust, Intention to Use, Gen ZAbstract
This study examines how Generation Z's desire to utilize the myBCA mobile application is affected by perceived utility (PU) and perceived ease of use (PEOU) using trust as a mediating variable. To precisely capture behavioral patterns in digital financial services, the study model expands about the Model of Technology Acceptance. Partial Least Squares Structural Equation Modeling (PLS-SEM) was used to examine data from 70 respondents using a quantitative cross-sectional survey approach. The structural model showed high fit and strong predictive performance (Q square Intention to Use: 0.593).
The results indicate that PU significantly and positively influences both Trust and Intention to Use. Conversely, PEOU significantly influences Trust, but doesn't directly impact the intention to use. The mediation analysis reveals that Trust fully mediates the PEOU-Intention to Use relationship, while partially mediating the relationship between PU and Intention to Use. These findings firmly suggest that Trust is a central psychological driver, transforming the perception of ease into actual adoption intention and substantially strengthening the impact of usefulness. The outcomes provide deep practical insights for financial institutions, highlighting the strategic importance of consistently strengthening user trust to enhance loyalty and adoption rates in the quickly changing digital banking market.
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