ANALISIS NIAT PERILAKU GEN-Z MENGGUNAKAN UTAUT2 DENGAN KEPUASAN SEBAGAI MODERASI ( STUDI KASUS APLIKASI SEABANK )

The shift in lifestyle towards digitalization has driven the financial sector to accelerate the transformation process towards digital finance, known as financial technology, one example being the Seabank application. This study aims to analyze the factors influencing Gen-Z regarding their satisfaction with the Behavioral Intention to use Seabank. The research employs a quantitative method by distributing questionnaires to Gen-Z who use the Seabank application and are at least 18 years old. Data analysis was conducted using SEM-PLS techniques with the SMART PLS 3.0 application, with a total of 302 respondents meeting the criteria. The study utilizes the UTAUT2 model as the dependent variable, modified by adopting only 5 out of 7 variables, namely performance expectancy, effort expectancy, social influence, facilitating conditions, and habit, with the addition of one modified variable, trust, as potential factors influencing the moderating variable of User Satisfaction and the independent variable of Behavioral Intention as the decision to use Seabank in the future.
Keywords : Seabank, satisfaction, behavioral intention, UTAUT2, SMART PLS 3.0