Customer Acceptance of Millennial Generation Banking Services: Challenges and Prospects

Ashoka, M. L.; Vinay, S

doi:10.2139/ssrn.2929837

Cited by 2 publications

(2 citation statements)

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“…Studi yang dikaji Ashoka et al (2017) menemukan bahwa mayoritas pengguna digital banking adalah generasi milenial. Riza (2019) menjelaskan dalam penelitiannya bahwa ekspektasi penggunaan dan ekspektasi performa berpengaruh terhadap minat generasi milenial menggunakan aplikasi mobile banking.…”

Section: Pendahuluanunclassified

Determinan Penggunaan Digital Banking Pada Generasi Milenial Muslim: Pendekatan Technology f Acceptance Model (Studi Kasus Di Kota Jayapura, Indonesia)

Pratiwi

Affandy

Rosalina

2020

JIEI

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Digital banking is a technology application developed to make customer transactions easier. Nowadays, millennials have become the market targetting of the banking sector, especially for using digital banking, since they prefer to something modern and instant. This research purposed to examine the determinants of Muslim millennial customer in adopting digital banking with the implementation of the model of technology acceptance (TAM) which includes two predictors including the perceived ease of use and perceived of usefulness. The method was a quantitative method using primary data collected by using questionnaires to 100 Muslim millennials as respondents in Jayapura City, the eastern region in Indonesia. Data collected analyzed wiith multiple liniear regressions. The results showed that both the independent variables, i.e the perceived ease of use and perceived of usefulness significantly affect the intention of Muslim millennials customers in using digital banking partially and simultaneously.

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Section: Pendahuluanunclassified

Determinan Penggunaan Digital Banking Pada Generasi Milenial Muslim: Pendekatan Technology f Acceptance Model (Studi Kasus Di Kota Jayapura, Indonesia)

Pratiwi

Affandy

Rosalina

2020

JIEI

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“…Even vegetable vendors, dabbawalas, grocery stores, taxi drivers, and street vendors have started signing up with Paytm, Oxigen, Mobiwik, and so on. Ashoka (2017) said that the Indian banking sector has been playing a pivotal role in enhancing digitalization and bringing different echelons of digital-banking facilities to customers for their utilization.…”

Section: Digitalization: An Introductionmentioning

confidence: 99%

Demonetization to Digitalization: A Step Toward Progress

Harshita¹

2017

Management and Economics Research Journal

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Journey from demonetization to digitalization is very hard hitting but not impossible. Recent demonetization in India on November 8, 2016, created lot of panic in the economy but also paved the way to digitalization. Cash crunch and availability of e-sources of transactions compelled many people to use electronic modes of payment. Credit cards, debit cards/RuPay card, USSD/UPI, Internet banking, mobile wallets like Oxigen, Paytm, Mobiwik, aadhar-enabled payment system, POS, and so on are few popular modes of electronic transaction, which are commonly used by the citizen. Digitalization will embrace higher transparency in monetary terms; low-cost maintenance; more convenience in use; and help in financial inclusion and weeding out black money and counterfeit money from the economy. But journey to a destination is always full of roadblocks, and similarly the journey of India toward a digital India is also full of hurdles like a huge illiteracy rate; low bandwidth; more unbanked areas; late adoption of technology; lack of full-time electricity; security concerns like hacking, cybercrime, and safety of personal details; and need for high investments. So, to defend the dream of a digital India, we have to develop well-defined strategies to coach people in using technology like focusing on customer education as well as employee education in technology by conducting workshops, presentations, enforcing strict cyber laws, use of local language, and developing user-friendly websites that leverage technology using the development of simple and smart digital tools, such as the use of a one-time password (OTP). The government has started Vittiya Sakharata Abhiyaan (VISAKA) and outreach campaigns like DigiDhan Abhiyan and so on to encourage people to adopt digital tools. Overall demonetization is greasing the wheels of digitalization and transforming India into Digital India.

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Customer Acceptance of Millennial Generation Banking Services: Challenges and Prospects

Cited by 2 publications

References 1 publication

Determinan Penggunaan Digital Banking Pada Generasi Milenial Muslim: Pendekatan Technology f Acceptance Model (Studi Kasus Di Kota Jayapura, Indonesia)

Determinan Penggunaan Digital Banking Pada Generasi Milenial Muslim: Pendekatan Technology f Acceptance Model (Studi Kasus Di Kota Jayapura, Indonesia)

Demonetization to Digitalization: A Step Toward Progress

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