Determinants of Generation Z’s Intention to Open Bank Accounts through BYOND by BSI
DOI:
https://doi.org/10.32939/0jccgr71Keywords:
Technology Acceptance Model, Social Influence, Quality of Internet Connection, Gen Z, BYOND by BSIAbstract
Purpose: This study aims to examine the factors influencing Generation Z’s behavioral intention to use the BYOND by BSI online account-opening service in Yogyakarta. The study extends the Technology Acceptance Model (TAM) by incorporating Social Influence and Quality of Internet Connection.
Design/Methodology/Approach: A quantitative causal research design was employed. Primary data were collected from 240 Generation Z respondents residing in Yogyakarta through a structured questionnaire using purposive sampling. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM).
Findings: The findings show that Perceived Usefulness, Perceived Ease of Use, and Attitude Toward Using have positive and significant effects on Behavioral Intention to Use the BYOND by BSI online account-opening service. In addition, Social Influence positively affects Perceived Usefulness, while Quality of Internet Connection positively affects Perceived Ease of Use. These findings indicate that Generation Z’s adoption of digital banking is shaped by technological, social, and infrastructural factors.
Research Implications: The findings suggest that Bank Syariah Indonesia should improve application usability, service functionality, digital infrastructure, and user engagement to encourage Generation Z’s adoption of BYOND. However, the study is limited to Generation Z respondents in Yogyakarta and uses a cross-sectional design. Future research should examine broader populations and regions and consider additional factors such as trust, perceived risk, security, and facilitating conditions.
References
Abdullah, F., Ward, R., & Ahmed, E. (2016). Investigating the influence of the most commonly used external variables of TAM on students’ perceived ease of use (PEOU) and perceived usefulness (PU) of e-portfolios. Computers in Human Behavior, 63, 75–90. https://doi.org/10.1016/j.chb.2016.05.014
Abdullah, K., Jannah, M., Aiman, U., Hasda, S., Fadilla, Z., Taqwin, Masita, Ardiawan, K. N., & Sari, M. E. (2021). Metodologi penelitian kuantitatif. Yayasan Penerbit Muhammad Zaini.
Ahdiat, A. (2023, July 5). Transaksi digital banking di Indonesia tumbuh 158% dalam 5 tahun terakhir. Databoks. https://databoks.katadata.co.id/teknologi-telekomunikasi/statistik/41234dcb958d96e/transaksi-digital-banking-di-indonesia-tumbuh-158-dalam-5-tahun-terakhir
Al-Somali, S. A., Gholami, R., & Clegg, B. (2009). An investigation into the acceptance of online banking in Saudi Arabia. Technovation, 29(2), 130–141. https://doi.org/10.1016/j.technovation.2008.07.004
Arifah, N., & Ratno, F. A. (2024). Analisis peran, manfaat, dan kemudahan dalam minat penggunaan mobile banking syariah. Jurnal Baabu Al-Ilmi Ekonomi dan Perbankan Syariah, 9(1), 1–9.
Badan Pusat Statistik. (2021, January 21). Hasil Sensus Penduduk (SP2020) pada September 2020 mencatat jumlah penduduk sebesar 270,20 juta jiwa. https://www.bps.go.id/id/pressrelease/2021/01/21/1854/hasil-sensus-penduduk--sp2020--pada-september-2020-mencatat-jumlah-penduduk-sebesar-270-20-juta-jiwa-.html
Badan Perencanaan Pembangunan Daerah Daerah Istimewa Yogyakarta. (2025). Publikasi RLPPD DIY 2024.
Bank Syariah Indonesia. (2024a). Public expose: Paparan kinerja Q4 PT Bank Syariah Indonesia Tbk. https://ir.bankbsi.co.id/misc/AR/2024/60b039b06e_5996b681e5.pdf
Bank Syariah Indonesia. (2024b). SuperApp BYOND by BSI resmi diluncurkan! Hadirkan layanan komprehensif yang semakin nyaman dan aman diakses. https://www.bankbsi.co.id/news-update/berita/superapp-byond-by-bsi-resmi-diluncurkan-hadirkan-layanan-komprehensif-yang-semakin-nyaman-aman-diakses
Bank Syariah Indonesia. (2025a). Laporan tahunan 2025. https://ir.bankbsi.co.id/misc/AR/AR2025-ID/index.html
Bank Syariah Indonesia. (2025b). Pengguna BYOND by BSI tumbuh pesat, tembus 3,5 juta user. https://www.bankbsi.co.id/news-update/berita/pengguna-byond-by-bsi-tumbuh-pesat-tembus-35-juta-user
Batubara, M. C., & Anggraini, T. (2022). Analisis pengaruh layanan digital terhadap minat Generasi Z dalam menggunakan produk perbankan syariah. Jurnal Masharif Al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 7(2), 706–725. https://doi.org/10.30651/jms.v7i2.14165
Chaniago, D., & Akbar, M. (2020). Analisis kemampuan pengguna dalam menggunakan e-commerce Shopee dengan metode Technology Acceptance Model (TAM). Jurnal Nasional Ilmu Komputer, 1(2), 77–84. https://doi.org/10.47747/jurnalnik.v1i2.154
Childers, T. L., & Rao, A. R. (1992). The influence of familial and peer-based reference groups on consumer decisions. Journal of Consumer Research, 19(2), 198–211. https://doi.org/10.1086/209296
CNN Indonesia. (2024, January). Survei APJII: Pengguna internet Indonesia tembus 221 juta orang. https://www.cnnindonesia.com
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319–340. https://doi.org/10.2307/249008
Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35(8), 982–1003. https://doi.org/10.1287/mnsc.35.8.982
Fauziah, S. A., & Ashfiasari, S. (2021). Pengaruh social influence dan self-efficacy terhadap intention to use mobile payment system pada pengguna e-wallet. Jurnal Ekonomi, Manajemen, Bisnis, dan Sosial (EMBISS), 1(4), 307–317. https://embiss.com/index.php/embiss
Febriandika, N. R., Harun, F. H., & Masrizal. (2023). Determinants of consumer adoption of Islamic mobile banking services in Indonesia. Banks and Bank Systems, 18(4), 30–43. https://doi.org/10.21511/bbs.18(4).2023.04
Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2017). A primer on partial least squares structural equation modeling (PLS-SEM). SAGE Publications.
Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2022). A primer on partial least squares structural equation modeling (PLS-SEM). SAGE Publications.
Henseler, J., Ringle, C. M., & Sarstedt, M. (2015). A new criterion for assessing discriminant validity in variance-based structural equation modeling. Journal of the Academy of Marketing Science, 43(1), 115–135. https://doi.org/10.1007/s11747-014-0403-8
Hussain, M., Mollik, A. T., Johns, R., & Rahman, M. S. (2019). M-payment adoption for bottom of pyramid segment: An empirical investigation. International Journal of Bank Marketing, 37(1), 362–381. https://doi.org/10.1108/IJBM-01-2018-0013
Kelly, A. E., & Palaniappan, S. (2023). Using a technology acceptance model to determine factors influencing continued usage of mobile money service transactions in Ghana. Journal of Innovation and Entrepreneurship, 12(1), Article 34. https://doi.org/10.1186/s13731-023-00301-3
Kristina, N., & Harris, I. (2020). The Technology Acceptance Model of mobile payment usage among Generation Z. Binus Business Review, 11(3), 149–156. https://doi.org/10.21512/bbr.v11i3.6394
Min, S., So, K. K. F., & Jeong, M. (2019). Consumer adoption of the Uber mobile application: Insights from diffusion of innovation theory and technology acceptance model. Journal of Travel & Tourism Marketing, 36(7), 770–783. https://doi.org/10.1080/10548408.2018.1507866
Mulyono, S., Sawir, M., Surahman, B., Hendrawati, E., & Nurhidayati. (2023). Peningkatan keputusan berinvestasi melalui literasi keuangan pada Generasi Z sebagai upaya persiapan resesi 2023. Jurnal Akuntansi dan Pajak, 23(2), 1–5.
Paramita, D. A., & Hidayat, A. (2023). The effect of perceived ease of use, perceived usefulness, and perceived benefits on interest in using Bank Syariah Indonesia mobile banking. International Journal of Research in Business and Social Science, 12(5), 1–9. https://doi.org/10.20525/ijrbs.v12i5.2643
Prastiawan, D. I., Aisjah, S., & Rofiaty. (2021). The effect of perceived usefulness, perceived ease of use, and social influence on the use of mobile banking through the mediation of attitude toward use. Asia Pacific Management and Business Application, 9(3), 243–260. https://doi.org/10.21776/ub.apmba.2021.009.03.4
Putra, I. S., & Wardani, N. A. K. (2022). Faktor-faktor yang memengaruhi behavioral intention to use penggunaan software akuntansi pada UMKM. Jurnal Riset Akuntansi Politala, 5(2), 60–74. https://doi.org/10.34128/jra.v5i2.130
Rianto, M. R., & Yoganingsih, T. (2020). Pengaruh religiusitas, pengaruh sosial dan dukungan pemerintah terhadap minat menabung di Bank Syariah Mandiri–Bekasi. Jurnal Ilmiah Akuntansi dan Manajemen, 16(2), 76–83. https://doi.org/10.31599/jiam.v16i2.405
Saibil, D. I., Sodik, F., & Mardiah, A. A. (2022). Faktor yang memengaruhi niat menggunakan QRIS pada sharia mobile banking saat pandemi COVID-19 (modifikasi model UTAUT 2). Jurnal Nisbah, 8.
Sathye, M. (1999). Adoption of Internet banking by Australian consumers: An empirical investigation. International Journal of Bank Marketing, 17(7), 324–334. https://doi.org/10.1108/02652329910305689
Setiawan, R., Eliyana, A., Suryani, T., Elias, G. A., & Anwar, A. (2022). A study of behavioral intention: The practices for mobile payment technology users in Indonesia. Webology, 19(2).
Suhartanto, D., Dean, D., Ismail, T. A. T., & Sundari, R. (2020). Mobile banking adoption in Islamic banks: Integrating TAM and religiosity-intention model. Journal of Islamic Marketing, 11(6), 1405–1418. https://doi.org/10.1108/JIMA-05-2019-0096
Szymkowiak, A., Melović, B., Dabić, M., Jeganathan, K., & Kundi, G. S. (2021). Information technology and Gen Z: The role of teachers, the Internet, and technology in the education of young people. Technology in Society, 65, Article 101565. https://doi.org/10.1016/j.techsoc.2021.101565
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly, 27(3), 425–478. https://doi.org/10.2307/30036540
Venkatesh, V., Thong, J. Y. L., & Xu, X. (2012). Consumer acceptance and use of information technology: Extending the unified theory of acceptance and use of technology. MIS Quarterly, 36(1), 157–178. https://doi.org/10.2307/41410412
Wijaya, J. P., & Setiawan, A. S. (2023). Aplikasi Technology Acceptance Model (TAM) terhadap penggunaan Internet banking & mobile banking. Prosiding National Seminar on Accounting UKMC, 1(1).
Wiratmini, N. P. E. (2020, June). Buka rekening di Bank Syariah Mandiri bisa online, lho. Bisnis.com. https://finansial.bisnis.com/read/20200606/231/1249254/buka-rekening-di-bank-syariah-mandiri-bisa-online-lho
Xue, M., Hitt, L. M., & Chen, P. (2011). Determinants and outcomes of Internet banking adoption. Management Science, 57(2), 291–307. https://doi.org/10.1287/mnsc.1100.1284
Yusuf, E. B., Fasa, M. I., & Suharto. (2023). Inovasi layanan perbankan syariah berbasis teknologi merupakan wujud penerapan green banking. Istithmar, 7(1), 34–41. https://doi.org/10.30762/istithmar.v7i1.444
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Defi Insani Saibil
This work is licensed under a Creative Commons Attribution 4.0 International License.
