Exploring e-mobile banking implementation barriers on Indonesian millennial generation consumers

Elimawaty Rombe,Zakiyah Zahara,Marjam Desma Rahadhini,Ira Nuriya Santi

doi:10.5267/j.ijdns.2021.8.010

Elimawaty Rombe, Zakiyah Zahara + Show 2 more

Open Access

https://doi.org/10.5267/j.ijdns.2021.8.010

Copy DOI

Abstract

The purpose of this study was to determine the effect of value barriers, risk barriers, image barriers, cost barriers and usage barriers on the use of mobile banking in millennial generation customers. This research used a quantitative approach and the sampling technique used is purposive sampling which conducts research on a group of subjects with certain characteristics or is considered closely related to previously known population characteristics. This research was conducted by distributing 140 online questionnaires to mobile banking users and there were 110 questionnaires that were reversed and processed. Sampling methods use snowball sampling. The results indicate that there was a positive but not significant effect between risk barriers and mobile banking adoption intentions. However, there was a negative influence between image barriers and mobile banking adoption intentions. Moreover, there was a positive influence between perceived cost barriers and mobile banking adoption intentions, there was a positive influence between the barriers to use and mobile banking adoption the intention to adopt. Finally, there was a significant influence between value barriers and mobile banking adoption intentions.

Highlights

In the digital era, all human conveniences are present in every line of life through technological developments
The results indicate that there was a positive but not significant effect between risk barriers and mobile banking adoption intentions
With the development of information technology, it is possible for banks to provide services that are tailored to the needs of customers who have developed in line with technological developments and lifestyles

Summary

Introduction

All human conveniences are present in every line of life through technological developments. This can be seen from the development of digital-based information and communication technology, which means that information can be managed in real-time without human assistance by using an automated and sophisticated system. According to Agwu et al (2014) and Anus et al (2011), information can be obtained through gadgets in the form of smartphones or laptops that are integrated through the internet. With this convenience, it will increase the level of adoption of digital-based information and communication technology in the community. By using mobile banking services, customers can perform banking transactions anywhere and anytime

Objectives

Methods

Discussion

Conclusion