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September 10, 2025Journal of theoretical and applied electronic commerce researchOpen Access

Mobile Banking Adoption: A Multi-Factorial Study on Social Influence, Compatibility, Digital Self-Efficacy, and Perceived Cost Among Generation Z Consumers in the United States

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Authors

SASantosh Reddy AddulaUniversity of the Cumberlands

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Implication

Regression analysis reveals perceived cost and social influence significantly impact mobile banking adoption in Generation Z.

Key Points

  • Perceived cost shows the strongest positive effect on mobile banking adoption, enhancing interest when deemed affordable.
  • Social influence also significantly drives adoption, highlighting the importance of peer feedback in decision-making.
  • Digital self-efficacy presents a barrier negatively affecting adoption, indicating a need for simplified user interfaces.
  • Lifestyle compatibility was found to be statistically insignificant, suggesting it may not be a key factor in adoption rates.

Cite This Study

Santosh Reddy Addula (2025) studied this question.

synapsesocial.com/papers/68c2404eb210217d6479a280https://doi.org/10.3390/jtaer20030192
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Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1THE INFLUENCE OF CONSUMER INTENTION TO ADOPT MOBILE BANKING APPLICATIONS: A REVIEW OF THEORETICAL FRAMEWORKS2025
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  3. 3The Effect of Mobile Banking Service on the Saving Intentions of Generation Z2025
  4. 4Gen Z Business Students’ Intention to Adopt Neobanks: An Extended UTAUT Approach2025
  5. 5Key Drivers Influencing Gen Z’s Use of Chatbots in Malaysia’s Digital Banking Sector: A Conceptual Model2025