Consumptive Behavior di Era Mobile Banking: Pengaruh Usefulness dan Satisfaction terhadap Attitude yang Dimoderasi oleh Financial Literacy pada Generasi Z di Batam
DOI:
https://doi.org/10.38035/jemsi.v7i5.8278Keywords:
Perilaku Konsumtif, Persepsi Kegunaan, Kepuasan, Sikap, Literasi KeuanganAbstract
Riset ini menguji consumptive behavior pada generasi Z pengguna mobile banking di kota Batam dengan menganalisis pengaruh perceived usefulness dan satisfaction terhadap attitude serta peran financial literacy sebagai variabel moderasi. Perkembangan dari mobile banking memberikan kemudahan dalam bertransaksi, tetapi juga dapat meningkatkan risiko akan perilaku konsumtif akibat kemudahan akses. Tujuan riset ini untuk menganalisa kaitan antar perceived usefulness, satisfaction, attitude, dan consumptive behavior dengan financial literacy sebagai moderasi. Dengan mengandalkan pendekatan kuantitatif dengan penyebaran kuesioner kepada generasi Z pengguna mobile banking di Batam. Data dianalisis menggunakan Structural Equation Modeling-Partial Least Squares (SEM-PLS). Hasil riset membuktikan jika perceived usefulness dan satisfaction berpengaruh positif dan signifikan terhadap attitude, serta attitude berpengaruh signifikan terhadap consumptive behavior. Namun, financial literacy menunjukkan pengaruh tidak signifikan sebagai variabel moderasi. Simpulan dalam riset ini yaitu jika meskipun mobile banking memberikan manfaat dan kepuasan, literasi keuangan belum mampu secara efektif mengendalikan perilaku konsumtif generasi Z.
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