ISSN2320-2882
Impact Factor9.17
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ESTD2013
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Paper Title
A STUDY ON MOBILE BANKING ADOPTION AMONG GENERATION Z IN ERNAKULAM CITY
Authors
ANUKRISHNA V
Keywords
Keywords: Mobile Banking Adoption, Generation Z (Gen Z), Digital Nativity, Consumer Behaviour, FinTech (Financial Technology), Digital Transformation, User Experience (UX).
Abstract
Technological innovation has fundamentally redefined the delivery of financial services in India, placing the mobile device at the centre of the modern banking experience. The synergy between rising digital literacy, smartphone penetration, and a robust regulatory environment has accelerated the decline of traditional banking methods in Favor of automated, AI-enhanced platforms. This evolution allows for a borderless banking experience, catering to the demand for instant service. However, this transition is not uniform; while it represents a leap in operational efficiency for many, it also presents challenges in adoption for those accustomed to traditional banking interactions.
This paper examines the factors influencing the transition toward mobile banking platforms among Generation Z residents in Ernakulam City, Kerala. As the first demographic to achieve maturity in a fully digitized economy, Generation Z--defined as individuals born between 1997 and 2012--exhibits financial behaviours fundamentally different from their predecessors. This cohort has matured in a global environment dominated by pervasive technology and internet connectivity. These age category people have a more accessible usage of smartphones, social media, and other digital platform aids from a young age. This study investigates how this cohort's inherent technological fluency shapes their expectations and interactions with modern banking institutions. The primary objective of this study is to identify the core motivations and systemic obstacles that dictate digital financial engagement in Ernakulam's urban environment. The research adopts a structured methodology, gathering qualitative and quantitative insights from a diverse participant pool consisting of students, young professionals, and entrepreneurs.
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IJCRT — journal style
"A STUDY ON MOBILE BANKING ADOPTION AMONG GENERATION Z IN ERNAKULAM CITY", IJCRT - International Journal of Creative Research Thoughts (www.ijcrt.org), ISSN:2320-2882, Vol.14, Issue 3, page no.a913-a920, March 2026, Available :https://ijcrt.org/papers/IJCRT2603113.pdf
APA — 7th edition
V, A. (2026). A STUDY ON MOBILE BANKING ADOPTION AMONG GENERATION Z IN ERNAKULAM CITY. International Journal of Creative Research Thoughts, 14(3), a913-a920. https://ijcrt.org/viewpaperforall.php?paper=IJCRT2603113
MLA — 9th edition
V, ANUKRISHNA. "A STUDY ON MOBILE BANKING ADOPTION AMONG GENERATION Z IN ERNAKULAM CITY." International Journal of Creative Research Thoughts, vol. 14, no. 3, 2026, pp. a913-a920, https://ijcrt.org/viewpaperforall.php?paper=IJCRT2603113.
Chicago — 17th, bibliography
V, ANUKRISHNA. "A STUDY ON MOBILE BANKING ADOPTION AMONG GENERATION Z IN ERNAKULAM CITY." International Journal of Creative Research Thoughts 14, no. 3 (2026): a913-a920. https://ijcrt.org/viewpaperforall.php?paper=IJCRT2603113.
Harvard — author–date
V, A. (2026) 'A STUDY ON MOBILE BANKING ADOPTION AMONG GENERATION Z IN ERNAKULAM CITY', International Journal of Creative Research Thoughts, 14(3), pp. a913-a920. Available at: https://ijcrt.org/viewpaperforall.php?paper=IJCRT2603113
IEEE — numbered reference
A. V, "A STUDY ON MOBILE BANKING ADOPTION AMONG GENERATION Z IN ERNAKULAM CITY," IJCRT, vol. 14, no. 3, pp. a913-a920, Mar. 2026.
Vancouver — biomedical
V A. A STUDY ON MOBILE BANKING ADOPTION AMONG GENERATION Z IN ERNAKULAM CITY. IJCRT. 2026 Mar;14(3):a913-a920.
AMA — 11th edition
V A. A STUDY ON MOBILE BANKING ADOPTION AMONG GENERATION Z IN ERNAKULAM CITY. IJCRT. 2026;14(3):a913-a920. Accessed at https://ijcrt.org/viewpaperforall.php?paper=IJCRT2603113
BibTeX — Zotero, Mendeley, LaTeX
@article{IJCRT2603113,
author = {ANUKRISHNA V},
title = {A STUDY ON MOBILE BANKING ADOPTION AMONG GENERATION Z IN ERNAKULAM CITY},
journal = {International Journal of Creative Research Thoughts},
volume = {14},
number = {3},
pages = {a913-a920},
year = {2026},
month = {March},
issn = {2320-2882},
url = {https://ijcrt.org/viewpaperforall.php?paper=IJCRT2603113}
}
RIS — EndNote, RefWorks
TY - JOUR
AU - V, ANUKRISHNA
TI - A STUDY ON MOBILE BANKING ADOPTION AMONG GENERATION Z IN ERNAKULAM CITY
T2 - International Journal of Creative Research Thoughts
JA - IJCRT
VL - 14
IS - 3
PY - 2026
SN - 2320-2882
UR - https://ijcrt.org/viewpaperforall.php?paper=IJCRT2603113
SP - a913-a920
ER -
Issue
Volume 14 Issue 3,
March-2026
Pages : a913-a920
Article Information
- Pages
- a913-a920
- Published
- March 2026
- Registration ID
- IJCRT_302383
- Published Paper ID
- IJCRT2603113
- Research Area
- Commerce All
- Author Type
- Indian Author
- Location
- THODUPUZHA, KERALA, India
- Peer Review
- Request Peer Review Report
- Licence
- CC BY 4.0 · Open Access
- ISSN & Impact Factor
- 2320-2882 · IF 9.17
- Downloads
- 164
- Permanent Link
- https://ijcrt.org/viewpaperforall.php?paper=IJCRT2603113
- Published Paper PDF
- https://ijcrt.org/papers/IJCRT2603113.pdf
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The authors would like to thank the reviewers and the editorial board of International Journal of Creative Research Thoughts for their careful reading and constructive comments, and all colleagues who supported the preparation of this manuscript.
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