Technology Acceptance Model (TAM) Approach in Analyzing Mobile Banking Usage in Millennial Generation
Abstract
In the current era of the industrial revolution, the development of technology and information has changed the behavior of the modern generation, especially the millennial generation (the generation born in 1980-2000). This research aims to analyze the factors that can influence the millennial generation in using mobile banking. The approach in this research uses the Technology Acceptance Model (TAM) that has been developed by Davis (1989), namely benefits and compatibility. The result of the analysis shows that all constructs in the TAM model namely benefits, convenience and the three external variable, security, experience and compatibilty have a positive and significant effect on the use of Mobile Banking in the millennial generation partially or simultaneously. The implication of the result of this research is relevant for the millennial generation to be more confident on using mobile banking that can simplify their banking activities.
Keyword: Benefits, Ease, Experience, Mobile Banking, Security, Technology Acceptance Model (Tam), Compatibility
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