Customer acceptance of digital banking in Islamic bank: Study on millennial generation

Abstract

Different factors may be influencing the use of information and communication technology. One of the important factors is age. A well-known age-based categorization, commonly used especially in the field of economics, the Millennial Generation has some typical behaviours which are different from the older people. This study investigates the extent to which perceived usefulness and perceived ease of use influences the attitude toward product and behavioural intention towards digital banking adoption of the Millennial Generation. An exploratory research design was followed and the data was collected from Millennial Generation Islamic bank customers between the ages of 22 and 38 in Indonesia. A total of 315 useable questionnaires was collected for analysis. The analysis of the data focused on determining attitude and behaviour in the use of digital banking. The methods of model and relationship test like Structural Equation Modelling AMOS were used. Reliability was tested by conducting the Cronbach alpha coefficient analysis. The construct validity was determined by using confirmatory factor analysis. The empirical evidence show that all the variables have significant positive effect. This study will show about why the Islamic banks must boosting the digital banking to increase the millennial generation customers.

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