The Influence of Financial Knowledge, Attitudes, And Behavior Literacy on Intention in Using Mobile Banking of Millennial Generation

Abstract

This study aims to determine the effect of financial knowledge, attitudes, and behavior literacy on intention in using mobile banking. And this study also aims to determine the most dominant variable influence on the intention in using mobile banking. The data were collected by distributing questionnaires to 100 respondents using google form. The sample was students of Management S1 program of IBIK as customers of Bank BCA, BNI, BRI, and Mandiri. The sampel was chosen by nonprobability sampling technique. The questionnaires were tested by testing the validity and reliability. Data were analyzed by using correlation test, multiple linear regression and coefficient of determination test. Hypothesis were tested by using t test and F test. The results of the study partially showed that the intention in using mobile banking was not affected by the financial knowledge literacy with a significance value of (0.594 > 0.05). The financial attitude literacy did not affect the intention in using mobile banking with a significance value of (0.302 > 0.05), while the financial behavior literacy had a positive effect on intention in using mobile banking with the significance value is (0.000 < 0.05). Simultaneously, the variables of financial knowledge, attitude, and behavior literacy positively affected intention in using mobile banking with the significance value of (0.000 < 0.05).