{"id":"https://openalex.org/W7204236172","doi":"https://doi.org/10.24034/j25485024.y2026.v10.i2.7770","title":"GENERATIONAL DIFFERENCES IN MOBILE BANKING USER EXPERIENCE: MODERATED MEDIATION AND MULTI-GROUP ANALYSIS","display_name":"GENERATIONAL DIFFERENCES IN MOBILE BANKING USER EXPERIENCE: MODERATED MEDIATION AND MULTI-GROUP ANALYSIS","publication_year":2026,"publication_date":"2026-08-27","ids":{"openalex":"https://openalex.org/W7204236172","doi":"https://doi.org/10.24034/j25485024.y2026.v10.i2.7770"},"language":"en","primary_location":{"id":"doi:10.24034/j25485024.y2026.v10.i2.7770","doi":"https://doi.org/10.24034/j25485024.y2026.v10.i2.7770","is_oa":true,"landing_page_url":"https://doi.org/10.24034/j25485024.y2026.v10.i2.7770","pdf_url":null,"source":{"id":"https://openalex.org/S4210170754","display_name":"EKUITAS (Jurnal Ekonomi dan Keuangan)","issn_l":"1411-0393","issn":["1411-0393","2548-298X","2548-5024"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310315119","host_organization_name":"Sekolah Tinggi Ilmu Ekonomi Indonesia Surabaya","host_organization_lineage":["https://openalex.org/P4310315119"],"host_organization_lineage_names":["Sekolah Tinggi Ilmu Ekonomi Indonesia Surabaya"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"EKUITAS (Jurnal Ekonomi dan Keuangan)","raw_type":"journal-article"},"parent_works":[],"lineage":["https://openalex.org/W7204236172"],"child_works_count":0,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://doi.org/10.24034/j25485024.y2026.v10.i2.7770","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5149475576","display_name":"Abdul Hakim","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4391767913","display_name":"STIE Enam Enam Kendari","ror":"https://ror.org/03x4v9v20","country_code":"ID","type":"education","lineage":["https://openalex.org/I4391767913"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Abdul Hakim","raw_affiliation_strings":["Sekolah Tinggi Ilmu Ekonomi Enam Enam Kendari"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Sekolah Tinggi Ilmu Ekonomi Enam Enam Kendari","institution_ids":["https://openalex.org/I4391767913"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5045939888","display_name":"Melati Melati","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210115333","display_name":"Universitas Lakidende","ror":"https://ror.org/02a1v1364","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210115333"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Melati Melati","raw_affiliation_strings":["Universitas Lakidende Unaaha"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Lakidende Unaaha","institution_ids":["https://openalex.org/I4210115333"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5148377716","display_name":"Anas Anas","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210115333","display_name":"Universitas Lakidende","ror":"https://ror.org/02a1v1364","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210115333"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Anas Anas","raw_affiliation_strings":["Universitas Lakidende Unaaha"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Lakidende Unaaha","institution_ids":["https://openalex.org/I4210115333"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5109767733","display_name":"Asraf Yunus","orcid":"https://orcid.org/0009-0000-8977-3760","observed_orcids":["https://orcid.org/0009-0000-8977-3760"]},"institutions":[{"id":"https://openalex.org/I4391767913","display_name":"STIE Enam Enam Kendari","ror":"https://ror.org/03x4v9v20","country_code":"ID","type":"education","lineage":["https://openalex.org/I4391767913"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Asraf Yunus","raw_affiliation_strings":["Sekolah Tinggi Ilmu Ekonomi Enam Enam Kendari"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Sekolah Tinggi Ilmu Ekonomi Enam Enam Kendari","institution_ids":["https://openalex.org/I4391767913"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5062630768","display_name":"Nofal Supriaddin","orcid":"https://orcid.org/0000-0003-1208-5956","observed_orcids":["https://orcid.org/0000-0003-1208-5956"]},"institutions":[{"id":"https://openalex.org/I4391767913","display_name":"STIE Enam Enam Kendari","ror":"https://ror.org/03x4v9v20","country_code":"ID","type":"education","lineage":["https://openalex.org/I4391767913"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Nofal Supriaddin","raw_affiliation_strings":["Sekolah Tinggi Ilmu Ekonomi Enam Enam Kendari"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Sekolah Tinggi Ilmu Ekonomi Enam Enam Kendari","institution_ids":["https://openalex.org/I4391767913"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"10","issue":"2","first_page":"343","last_page":"360"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":1.0,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":1.0,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14416","display_name":"Health, Technology, Consumer Behavior","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/3605","display_name":"Health Information Management"},"field":{"id":"https://openalex.org/fields/36","display_name":"Health Professions"},"domain":{"id":"https://openalex.org/domains/4","display_name":"Health Sciences"}},{"id":"https://openalex.org/T11977","display_name":"Technology Use by Older Adults","score":0.0,"subfield":{"id":"https://openalex.org/subfields/2717","display_name":"Geriatrics and Gerontology"},"field":{"id":"https://openalex.org/fields/27","display_name":"Medicine"},"domain":{"id":"https://openalex.org/domains/4","display_name":"Health Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/mobile-banking","display_name":"mobile banking","score":0.9670000076293945},{"id":"https://openalex.org/keywords/technology-acceptance","display_name":"technology acceptance","score":0.7670000195503235},{"id":"https://openalex.org/keywords/utaut","display_name":"UTAUT","score":0.8859999775886536},{"id":"https://openalex.org/keywords/generational-differences","display_name":"generational differences","score":0.8830000162124634},{"id":"https://openalex.org/keywords/effort-expectancy","display_name":"effort expectancy","score":0.781000018119812},{"id":"https://openalex.org/keywords/social-influence","display_name":"social influence","score":0.9269999861717224},{"id":"https://openalex.org/keywords/performance-expectancy","display_name":"performance expectancy","score":0.9520000219345093},{"id":"https://openalex.org/keywords/behavioral-intention","display_name":"behavioral intention","score":1.0},{"id":"https://openalex.org/keywords/generation-z","display_name":"Generation Z","score":0.9110000133514404},{"id":"https://openalex.org/keywords/generation-x","display_name":"Generation X","score":0.9800000190734863},{"id":"https://openalex.org/keywords/moderated-mediation","display_name":"moderated mediation","score":0.7929999828338623},{"id":"https://openalex.org/keywords/multigroup-analysis","display_name":"multigroup analysis","score":0.7919999957084656},{"id":"https://openalex.org/keywords/southeast-sulawesi","display_name":"Southeast Sulawesi","score":0.8579999804496765}],"concepts":[{"id":"https://openalex.org/C188353592","wikidata":"https://www.wikidata.org/wiki/Q450586","display_name":"Expectancy theory","level":2,"score":0.8148999810218811},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.7178000211715698},{"id":"https://openalex.org/C93225998","wikidata":"https://www.wikidata.org/wiki/Q1941972","display_name":"Moderation","level":2,"score":0.6869999766349792},{"id":"https://openalex.org/C24614281","wikidata":"https://www.wikidata.org/wiki/Q17086331","display_name":"Moderated mediation","level":2,"score":0.670199990272522},{"id":"https://openalex.org/C2780346085","wikidata":"https://www.wikidata.org/wiki/Q7884986","display_name":"Unified theory of acceptance and use of technology","level":3,"score":0.6047000288963318},{"id":"https://openalex.org/C179420905","wikidata":"https://www.wikidata.org/wiki/Q223871","display_name":"Mediation","level":2,"score":0.550000011920929},{"id":"https://openalex.org/C77805123","wikidata":"https://www.wikidata.org/wiki/Q161272","display_name":"Social psychology","level":1,"score":0.5392000079154968},{"id":"https://openalex.org/C131158328","wikidata":"https://www.wikidata.org/wiki/Q1307337","display_name":"Social influence","level":2,"score":0.46970000863075256},{"id":"https://openalex.org/C124936454","wikidata":"https://www.wikidata.org/wiki/Q17086827","display_name":"Sobel test","level":3,"score":0.4113999903202057},{"id":"https://openalex.org/C172256602","wikidata":"https://www.wikidata.org/wiki/Q780716","display_name":"Social exchange theory","level":2,"score":0.4104999899864197},{"id":"https://openalex.org/C130064352","wikidata":"https://www.wikidata.org/wiki/Q853725","display_name":"Social relation","level":2,"score":0.3853999972343445},{"id":"https://openalex.org/C2775930393","wikidata":"https://www.wikidata.org/wiki/Q1941439","display_name":"Mobile banking","level":2,"score":0.36820000410079956},{"id":"https://openalex.org/C198477413","wikidata":"https://www.wikidata.org/wiki/Q7647069","display_name":"Survey data collection","level":2,"score":0.35040000081062317},{"id":"https://openalex.org/C89611455","wikidata":"https://www.wikidata.org/wiki/Q6804646","display_name":"Mechanism (biology)","level":2,"score":0.31310001015663147},{"id":"https://openalex.org/C2778087770","wikidata":"https://www.wikidata.org/wiki/Q2297111","display_name":"Social support","level":2,"score":0.3107999861240387},{"id":"https://openalex.org/C2776035688","wikidata":"https://www.wikidata.org/wiki/Q1606558","display_name":"Affect (linguistics)","level":2,"score":0.2915000021457672},{"id":"https://openalex.org/C71104824","wikidata":"https://www.wikidata.org/wiki/Q1476639","display_name":"Structural equation modeling","level":2,"score":0.2872999906539917},{"id":"https://openalex.org/C142172996","wikidata":"https://www.wikidata.org/wiki/Q221284","display_name":"Conformity","level":2,"score":0.28110000491142273},{"id":"https://openalex.org/C9719361","wikidata":"https://www.wikidata.org/wiki/Q7928967","display_name":"Vignette","level":2,"score":0.27799999713897705},{"id":"https://openalex.org/C39896193","wikidata":"https://www.wikidata.org/wiki/Q380344","display_name":"Descriptive statistics","level":2,"score":0.27730000019073486},{"id":"https://openalex.org/C160949748","wikidata":"https://www.wikidata.org/wiki/Q1365703","display_name":"Mobile payment","level":3,"score":0.2734000086784363},{"id":"https://openalex.org/C26760741","wikidata":"https://www.wikidata.org/wiki/Q160402","display_name":"Perception","level":2,"score":0.25600001215934753},{"id":"https://openalex.org/C173481278","wikidata":"https://www.wikidata.org/wiki/Q7257997","display_name":"Survey research","level":2,"score":0.2558000087738037}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.24034/j25485024.y2026.v10.i2.7770","doi":"https://doi.org/10.24034/j25485024.y2026.v10.i2.7770","is_oa":true,"landing_page_url":"https://doi.org/10.24034/j25485024.y2026.v10.i2.7770","pdf_url":null,"source":{"id":"https://openalex.org/S4210170754","display_name":"EKUITAS (Jurnal Ekonomi dan Keuangan)","issn_l":"1411-0393","issn":["1411-0393","2548-298X","2548-5024"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310315119","host_organization_name":"Sekolah Tinggi Ilmu Ekonomi Indonesia Surabaya","host_organization_lineage":["https://openalex.org/P4310315119"],"host_organization_lineage_names":["Sekolah Tinggi Ilmu Ekonomi Indonesia Surabaya"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"EKUITAS (Jurnal Ekonomi dan Keuangan)","raw_type":"journal-article"},{"id":"doi:10.24034/j25485024.y2026.v10.i3.7770","doi":"https://doi.org/10.24034/j25485024.y2026.v10.i3.7770","is_oa":true,"landing_page_url":"https://doi.org/10.24034/j25485024.y2026.v10.i3.7770","pdf_url":"https://ejournal.stiesia.ac.id/ekuitas/article/download/7770/1509","source":{"id":"https://openalex.org/S4210170754","display_name":"EKUITAS (Jurnal Ekonomi dan Keuangan)","issn_l":"1411-0393","issn":["1411-0393","2548-298X","2548-5024"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310315119","host_organization_name":"Sekolah Tinggi Ilmu Ekonomi Indonesia Surabaya","host_organization_lineage":["https://openalex.org/P4310315119"],"host_organization_lineage_names":["Sekolah Tinggi Ilmu Ekonomi Indonesia Surabaya"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"EKUITAS (Jurnal Ekonomi dan Keuangan)","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.24034/j25485024.y2026.v10.i2.7770","doi":"https://doi.org/10.24034/j25485024.y2026.v10.i2.7770","is_oa":true,"landing_page_url":"https://doi.org/10.24034/j25485024.y2026.v10.i2.7770","pdf_url":null,"source":{"id":"https://openalex.org/S4210170754","display_name":"EKUITAS (Jurnal Ekonomi dan Keuangan)","issn_l":"1411-0393","issn":["1411-0393","2548-298X","2548-5024"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310315119","host_organization_name":"Sekolah Tinggi Ilmu Ekonomi Indonesia Surabaya","host_organization_lineage":["https://openalex.org/P4310315119"],"host_organization_lineage_names":["Sekolah Tinggi Ilmu Ekonomi Indonesia Surabaya"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"EKUITAS (Jurnal Ekonomi dan Keuangan)","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7204236172.pdf","grobid_xml":"https://content.openalex.org/works/W7204236172.grobid-xml"},"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W4285122611","https://openalex.org/W2735862676","https://openalex.org/W4406747954","https://openalex.org/W4220885478","https://openalex.org/W7132475095","https://openalex.org/W6949402995","https://openalex.org/W2337110382","https://openalex.org/W4416282208","https://openalex.org/W7168250441","https://openalex.org/W4386715327"],"abstract_inverted_index":{"This":[0],"study":[1],"examines":[2],"mobile":[3,39],"banking":[4,40],"acceptance":[5],"by":[6,49],"extending":[7],"the":[8,104,123,153],"Unified":[9],"Theory":[10],"of":[11,15,106,122,125],"Acceptance":[12],"and":[13,26,64,73,81,102,109,146],"Use":[14,94],"Technology":[16],"(UTAUT)":[17],"framework":[18],"with":[19,99],"use":[20,62,79,126],"experience":[21,80,95],"as":[22,28,119],"a":[23,29,90,120],"mediating":[24],"mechanism":[25],"generation":[27,118],"potential":[30],"boundary":[31],"condition.":[32],"A":[33],"quantitative":[34],"survey":[35],"was":[36],"conducted":[37],"among":[38,140],"users":[41],"in":[42,152],"Southeast":[43],"Sulawesi,":[44],"an":[45],"archipelagic":[46],"region":[47],"characterized":[48],"heterogeneous":[50],"digital":[51],"access.":[52],"The":[53,67,112],"model":[54],"includes":[55],"performance":[56,85,144],"expectancy,":[57,59],"effort":[58,71,107,135],"social":[60,74,110,147],"influence,":[61],"experience,":[63],"behavioral":[65,82,100],"intention.":[66],"results":[68],"indicate":[69],"that":[70],"expectancy":[72,86,108,136,145],"influence":[75,148],"significantly":[76],"predict":[77],"both":[78],"intention,":[83],"whereas":[84,143],"does":[87],"not":[88,116],"have":[89],"significant":[91,172],"direct":[92],"effect.":[93],"is":[96,137],"positively":[97],"associated":[98],"intention":[101],"mediates":[103],"effects":[105],"influence.":[111],"interaction":[113],"tests":[114,169],"do":[115],"support":[117],"moderator":[121],"antecedents":[124],"experience.":[127],"Group-specific":[128],"estimates":[129],"nevertheless":[130],"show":[131],"different":[132],"descriptive":[133],"patterns:":[134],"especially":[138],"prominent":[139],"Generation":[141,154],"Z,":[142],"are":[149],"more":[150],"evident":[151],"X":[155],"behavioral-intention":[156],"model.":[157],"These":[158],"group":[159],"patterns":[160],"should":[161],"be":[162],"interpreted":[163],"cautiously":[164],"unless":[165],"formal":[166],"between-group":[167],"difference":[168],"establish":[170],"statistically":[171],"differences.":[173]},"counts_by_year":[],"updated_date":"2026-11-14T11:04:58.165337","created_date":"2026-08-27T00:00:00"}