Examining the Factors that Influence the Intensity of Mobile Banking Use among Gen Z Accounting Students in Surabaya
DOI:
https://doi.org/10.47080/6c826129Keywords:
Budgeting Behavior, Financial Literacy, lifestyle , Mobile Banking, Family-Peer InfluenceAbstract
This study aims to investigates how financial literacy, budgeting behavior, lifestyle, and peer influence affect the intensity of mobile banking usage among undergraduate accounting students at a private university in Surabaya. With the surge in mobile banking adoption among Generation Z, students face growing exposure to digital financial services without necessarily possessing strong financial management skills. Data was collected through a structured questionnaire from final-year students at five top-ranked private universities and analyzed using the PLS-SEM method through SmartPLS. The results showed that all four factors significantly and positively influence mobile banking usage, with lifestyle emerging as the most dominant predictor. This suggests that digital consumption patterns and social pressure strongly influence financial behavior. Budgeting behavior as a tool to control finances adjusted to lifestyle. These findings support the Theory of Planned Behavior (TPB) as a strong framework to explain college students' digital financial behavior. This research focuses on the need for financial education programs that integrate financial literacy and budgeting strategies adapted to modern digital lifestyles.
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