Determinants of Contactless Payment Adoption Among Generation Z

Authors

DOI:

https://doi.org/10.32662/gaj.v9i2.4687

Abstract

This research sets out to uncover the factors that shape Generation Z’s intention and use behavior towards contactless payment adoption. The research adopted a quantitative method, in which primary data were gathered by distributing a structured survey instrument to participants. Data analysis was performed through the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach utilizing SmartPLS 4 as the analytical tool. The findings reveal that effort expectancy, performance expectancy, social influence, and perceived advantage significantly influence the behavioral intention to use contactless payment services, whereas perceived risk does not have a significant effect. Furthermore, behavioral intention significantly affects Generation Z’s actual use behavior of contactless financial services.

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Published

2026-10-01

How to Cite

Putri, M. R. A., & Suryaingrum, D. H. (2026). Determinants of Contactless Payment Adoption Among Generation Z. Gorontalo Accounting Journal, 9(2), 305–319. https://doi.org/10.32662/gaj.v9i2.4687

Issue

Volume 9 Issue 2 October 2026

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