Efek Perilaku dan Persepsi Milenial terhadap Minat Menggunakan Mobile Banking Perbankan Syariah di Indonesia
Keywords:
intention; Millennial; mobile banking; Islamic bank; perception
Abstract
The millennial generation dominates digital banking activity in Indonesia because
of their dynamic behavior in accessing the internet. This study will analyze the
effects of Millennial behavior and their perception of Islamic banks on their
interest in using its mobile banking with PLS analysis. The results showed that
only Millennials' online behavior significantly influenced their perception of
Islamic banking and their interest in using mobile banking of Islamic banks, while
Millennials' financial behavior only influenced their interest in using it.
Conversely, Millennial online transportation behavior does not affect either
perception or interest in using mobile banking of Islamic banks. This study also
shows that although Millennials' online and financial behavior significantly affects
their interest in using mobile banking of Islamic banks, most Millennials prefer to
use e-wallets such as Go-pay or OVO for their daily online transactions’ activities
for several different reasons.
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Sarstedt, M., Hair, J. F., Pick, M., Liengaard, B. D., Radomir, L., & Ringle, C. M. (2022). Progress in partial least squares structural equation modeling use in marketing research in the last decade. Psychology & Marketing, 39(5), 1035–1064. https://doi.org/10.1002/mar.21640
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Wiridjati, W. & Roesman, R. R. (2018) “Fenomena Penggunaan Media Sosial dan Pengaruh Teman Sebaya pada Generasi Milenial terhadap Keputusan Pembelian”. Jurnal Maajemen dan Pemasaran Jasa, 11(2): 275-290.
Yamin, S. & Kurniawan, H. (2011) Partial Least Square Path Modeling. Jakarta: Salemba Infotek.
Ajzen, I. & Fishbein, M. (1975) Belief, Attitude, Intention and Behavior, An Introduction to Theory and Research. Addison-Wesley: Reading, Mass.
Ali, H. & Purwandi, L. (2017) "The Urban Middle-Class Millenials Indonesia: Financial and Online Behavior". Alvara Research Center.
Ali, H. & Purwandi, L. (2016) “Indonesia 2010: The Urban Middle-Class Millenials”. Alvara Research Center.
Ali, H., Purwandi, L., Nugroho, H., Halim, T., Firdaus, K., Huda, N., & Penulis. (2020). Indonesia Gen Z and Millennial Report 2020: Th Battle of Generation. In Alvara Research Center. https://alvara-strategic.com/indonesia-gen-z-and-millenial-report-2020/
Assael, H. (2003) Consumer Behavior and Marketing Action (6th Ed.). Cincinnati, Ohio: South-Western College Publishing
Battour, M.M, Battor, M.M. & Ismail, M. (2012) "The Mediating Role of Tourist Satisfaction: A Study of Muslim Tourists in Malaysia". Journal of Travel & Tourism Marketing, 29(3): 279-297.
BPS (2018) Profil Generasi Milenial Indonesia, Statistik Gender Tematik.
Clark, T. (2000). Deconstruction and Technology BT - Deconstructions: A User’s Guide (N. Royle (ed.); pp. 238–257). Macmillan Education UK. https://doi.org/10.1007/978-1-137-06095-2_13
DBS Indonesia (2018) Pengaruh Milenial terhadap Perbankan. Diakses dari https://www.dbs.com/insights/id-bh/pengaruh-milenial-terhadap-perbankan.html
Maholtra, K.N. (2009) Riset Pemasaran. Jakarta: PT. Indeks.
Nur’afifah, O., & Prihantoro, E. (2021). The Influence of Social Media on Millennial Generation about Travel Decision-Making. Jurnal The Messenger, 13(3), 238. https://doi.org/10.26623/themessenger.v13i3.2328
Republika.co.id (2022) “Pangsa Pasar Bank Syariah Tembus 6,65 persen, OJK: Harus Rasional”. Republika, 22 April 2022. Diakses dari https://www.republika.co.id/berita/raqp6r383/ pangsa-pasar-bank-syariah-tembus-665-persen-ojk-harus-rasional
Pandjaitan, D. R. H. (2018) "An Analysis of Brand Awareness Influence on Purchase Intention in Bandar Lampung City's Online Transportation Service (Study on Y Generation Consumers)". The International Conference of Organizational Innovation. 2018
Riduwan, E. & Kuncoro, A. (2008). Cara Menggunakan dan Memakai Analisis Jalur. Bandung: Alfabeta.
Riza, A. F. (2021). The potential of digital banking to handle the Covid-19 pandemic crisis: Modification of UTAUT model for Islamic finance industry. JurnalEkonomi&KeuanganIslam, 7(1), 1–16. https://doi.org/https://doi.org/10.20885/jeki.vol7.iss1.art1
Samsudeen, S. N., Selvaratnam, G., & Hayathu Mohamed, A. H. (2022). Intention to use mobile banking services: an Islamic banking customers’ perspective from Sri Lanka. Journal of Islamic Marketing, 13(2), 410–433. https://doi.org/10.1108/JIMA-05-2019-0108
Sarstedt, M., Hair, J. F., Pick, M., Liengaard, B. D., Radomir, L., & Ringle, C. M. (2022). Progress in partial least squares structural equation modeling use in marketing research in the last decade. Psychology & Marketing, 39(5), 1035–1064. https://doi.org/10.1002/mar.21640
Schiffman, L. G. & Kanuk, L. L. (2007) Consumer Behavior (6th Ed.). New Jersey: Prentice-Hall Inc.
Senoz, K. P. (2015). "Theory Determinisme Technology Marshall McLuhan". Kompasiana.com. Diakses dari https://www.kompasiana.com/kokograyscale/5518e30ea 333118512b6596c/ teory-determinisme-technology-marshall-mcluhan-1962
Shah, B.A., Ghulam Shabbir Khan Niazi, G.S.K. & Abdul Majid, A. (2016) "Employees' Perceptions about Islamic Banking and its Growth Potential in Pakistan". Business & Economic Review, 8(1): 53-76.
Wiridjati, W. & Roesman, R. R. (2018) “Fenomena Penggunaan Media Sosial dan Pengaruh Teman Sebaya pada Generasi Milenial terhadap Keputusan Pembelian”. Jurnal Maajemen dan Pemasaran Jasa, 11(2): 275-290.
Yamin, S. & Kurniawan, H. (2011) Partial Least Square Path Modeling. Jakarta: Salemba Infotek.
Published
2023-12-07
How to Cite
Aisyah, M. (2023). Efek Perilaku dan Persepsi Milenial terhadap Minat Menggunakan Mobile Banking Perbankan Syariah di Indonesia. Jurnal Manajemen Dan Keuangan, 12(2), 214 - 230. https://doi.org/10.33059/jmk.v12i2.7532
Section
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