Mobile Banking Adoption and Its Impact on GenerationZ’s Shopping Behavior in Indonesia

Abstract

This study aims to analyze the influence of Mobile banking (M-banking) on consumer shopping behavior in Indonesia, focusing on young generations as digital natives. A qualitative approach through literature review was employed by examining academic articles published last five years. The findings reveal that M-banking accelerates the digital transformation of the banking sector, enhances financial inclusion, and fosters the development of a cashless society. Generation Z emerges as the most adaptive group in adopting M-banking due to convenience, transaction speed, and promotional offers, although this also drives more consumptive behavior. Key challenges identified include cybersecurity risks, adoption gaps between urban and rural areas, and differences in digital literacy across society. The study emphasizes that the success of M-banking implementation is shaped not only by technological factors but also by socio-economic conditions, security issues, and consumer trust. These findings contribute theoretically to the literature on financial technology adoption and provide practical implications for the banking industry to improve digital service quality.