Examining Digital Banking Usage Behavior among Generation Z in North Sumatra: The Mediating Role of Behavioral Intention
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Abstract
The rapid advancement of digital technology has transformed the banking industry, accelerating the adoption of digital banking services worldwide. Despite the increasing use of digital banking, concerns regarding cybersecurity and trust remain critical factors influencing users' behavioral intentions and actual usage. This study examines digital banking usage behavior among Generation Z in North Sumatra by investigating the roles of cyber attack awareness, cyber security measures, trust in service providers, and trust in the internet, with behavioral intention serving as a mediating variable. A quantitative research design was employed A non-probability sampling approach. Data were collected from 327 Generation Z respondents through a structured questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS. The results indicate that cyber attack awareness and cyber security measures significantly influence behavioral intention, which subsequently enhances digital banking usage behavior. In contrast, digital infrastructure trust does not demonstrate significant direct or indirect effects on digital banking usage behavior. Several relationships show marginal effects at the 10% significance level, indicating limited statistical evidence for specific pathways. The mediating role of behavioral intention is partially supported in explaining the relationships between cybersecurity-related factors, trust dimensions, and digital banking usage behavior. This study contributes to the digital banking literature by integrating cybersecurity awareness, cybersecurity measures, and trust into a comprehensive behavioral framework. The findings provide practical implications for financial institutions in strengthening cybersecurity strategies and fostering user trust to promote greater digital banking adoption among Generation Z in North Sumatra.
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