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Examine the factors affecting the acceptance of mobile banking payments: a study of Gen Z

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  • Zankruti Raval
  • Vishal M. Tidake
  • Jigar Nagvadia
  • Farana Kureshi
  • Rohit Lala

Abstract

This research examines how Generation Z in India accepts mobile payments (m-payments). Generation Z, the youngest and most tech-savvy consumer generation, shapes payment system futures. This study examines their attitudes, beliefs, and adoption behaviours about m-payments in India to determine their acceptance determinants. Using quantitative surveys and qualitative interviews, a representative sample of Generation Z from across India will be surveyed. The research will analyse data using technology acceptance theories. The research utilised 381 generation Z mobile banking users from Gujarat. Structural equation modelling tested the theory. Performance expectation, effort expectancy, social influence, enabling circumstance, hedonic incentive, and perceived value promote Gen Z M-Banking acceptance in India. This research illuminates Generation Z's adoption of m-payments in India's main drivers and constraints for academics, business, and government. These insights will help design targeted m-payment adoption strategies to promote financial inclusion and digital transformation in the nation.

Suggested Citation

  • Zankruti Raval & Vishal M. Tidake & Jigar Nagvadia & Farana Kureshi & Rohit Lala, 2025. "Examine the factors affecting the acceptance of mobile banking payments: a study of Gen Z," International Journal of Indian Culture and Business Management, Inderscience Enterprises Ltd, vol. 35(4), pages 458-475.
    • Handle: RePEc:ids:ijicbm:v:35:y:2025:i:4:p:458-475
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