An Extended Technology Acceptance Model for Analyzing the Adoption of the BSI Mobile Banking Application BYOND: A Comparative Study Between Generation Y and Generation Z Customers in Indonesia

This study extends the Technology Acceptance Model (TAM) by integrating Sharia-based variables—Trust in Islamic Brand, Religiosity Influence, and Perceived Sharia Compliance—to examine user acceptance of the BYOND digital banking application in Indonesia’s Islamic banking sector. It also compares adoption patterns between Generation Y and Generation Z. Data were collected through an online survey of 139 respondents, the majority of whom had migrated to BYOND (96%). The model was analyzed using PLS-SEM with SmartPLS 4.0. Results indicate that the extended model demonstrates moderate predictive power (R²adj 0.350), exceeding the explanatory capacity commonly reported for the original TAM in similar contexts. Perceived Sharia Compliance emerged the strongest determinant of acceptance (t 2.213), followed by Perceived Ease of Use (t 2.194) and Perceived Usefulness (t 2.066). Multi-group analysis reveals significant generational differences: Generation Z is more influenced by Sharia compliance and religiosity, whereas Generation Y is more responsive to functional benefits and brand trust. The findings suggest that technology adoption in Islamic digital banking cannot be explained solely by utilitarian factors but requires assurance of Islamic value integrity. However, the relatively small and user-dominant sample may generalizability. Future research should employ larger cross-regional samples and longitudinal designs to further validate the extended model.