June 30, 2025CogITo Smart JournalOpen Access

Gen Z Business Students’ Intention to Adopt Neobanks: An Extended UTAUT Approach

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Discussion

Quantitative survey reveals curiosity and perceived credibility drive Gen Z's intention to adopt neobanks, suggesting enhanced credibility needed.

Curiosity and perceived credibility positively affect intention to adopt neobanks, with significant implications for marketing strategies.
Performance expectancy and social influence primarily impact perceived credibility, highlighting their role in user adoption behaviors.
Quantitative analysis using structural equation modeling assessed relationships among UTAUT variables and additional factors.
Enhancing perceived credibility could boost Gen Z's willingness to adopt neobanks, indicating potential areas for improvement.

Aseng et al. (2025) studied this question.

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Quantitative survey reveals curiosity and perceived credibility drive Gen Z's intention to adopt neobanks, suggesting enhanced credibility needed.