The Influence Of Perceived Usefulness, Perceived Ease-Of-Use, Privacy Risk, And Social Influence On Mobile Banking Adoption Among Generation Z In Greater Jakarta Area

This study aims to analyze the effect of perceived usefulness, perceived ease of use, privacy risk, and social influence on the mobile banking adoption among Generation Z in greater Jakarta area. Using a quantitative method, data were collected through an online questionnaire from 200 mobile banking users. Data were analyzed using Partial Least Squares–Structural Equation Modelling (PLS-SEM) with SmartPLS 4. The results show that all four variables have a positive and significant effect on acceptance, with perceived ease of use being the most influential. These findings highlight the importance of user-friendly design, data security, and social influence in encouraging mobile banking adoption among Generation Z.