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Abstract. Research aim to analyze 1) influence of actual, ideal, social and social ideal self-congruity on Iphone brand satisfaction. 2) Influence of actual, ideal, social and social ideal self-congruity self-congruity on Iphone brand loyalty. 3) Influence of brand satisfaction on Iphone brand loyalty. 4) The role mediation of brand satisfaction within influence of actual self-congruity, ideal self-congruity, social self-congruity, social ideal self-congruity on Iphone brand loyalty. Sample has taken by using non probabilty sampling with purposive sampling technique. Respondents are Iphone user in Malang City who made personally purchase decision with has used Iphone about 1 year. Research’s samples are 140. The hypothesis tested by Partial Least Square analysis. The research results actual, ideal and social ideal self-congruity influence on brand satisfaction then brand satisfaction influence on brand loyalty. Brand satisfaction had mediation within influence of actual, ideal dan social ideal self congruity on brand loyalty.

This study responds to the Technological Acceptance Model (TAM) critics regarding the model's missing self-regulatory and motivational variables. The research integrates personal innovativeness and perceived risk in the TAM model and explores the interrelationships among those constructs. A self-administered questionnaire was used to collect the data for this study, and 293 consumers of the Indonesia Online Travel Agent (OTA) industry participated. The data were analysed using Partial Least Square, which employed the inner and outer model evaluations to analyse the data. The results demonstrated that Generation Z's attitude toward using the OTA application is positively affected by its perceived usefulness and ease of use. Moreover, three variables significantly affect Generation Z's behavioural intention to use e-commerce applications. Personal innovativeness significantly affects perceived transaction risks and attitudes toward using the OTA application. These results imply that in order to enhance customers’ willingness to keep using the application, the OTA practitioners should ensure that their customers experiencing the ease-of-use dan the usefulness of the application, so that the customers will have a greater willingness to use the same application in the future.