MILENIAL DEPOSITOR BEHAVIOR IN ADOPTING DIGITAL BANKING
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Date
2020
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International Journal of Psychosocial Rehabilitation, Vol.24, Issue 02
Abstract
The population of millenials in Indonesia has reached 63 million, this number is a fairly large
number that is 24% of the productive population and constitutes the majority group. Millennial generation is an
active user of digital technology devices. This generation is faster and better understands services based on digital
technology than the previous generation. As active users of digital technology devices, they are more focused on
convenience and benefits and can be seen as a lucrative target market for digital banking. Millennial generation
preferences will quickly change if it turns out that digital banking has poor performance. This study aims to
determine the behavior of millennial generation in adopting digital banking This study seeks to explore and
determine the behavior of millennial depositors in adopting digital banking, using descriptive research designs. A
questionnaire was used to determine the behavior of millennial depositors in adopting Digital Banking. The
population in this study consisted of millennials residing in the city of Bandung, Indonesia, amounting to 912
thousand inhabitants. Samples to be taken are as many as 250 people. This study uses probability sampling where
all elements in the population are expected to have the same opportunity to be chosen. The results showed that in the
behavior of depositors, behavioral control factors are very encouraging in the adoption of digital banking in
millennial generation. The attitude factor has a fairly high impetus on the adoption of digital banking. Subjective
norm factors provide a small impetus in the adoption of digital banking.
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Keywords
Depositors, Millennial Generation, Digital Banking, Bandung City