Determinants Of Millenial Generations Interest In Using Mobile Banking

Mobile banking services issued by the banking world, are aimed at making it easier for customers to make transactions that are supported by mobile phones and internet networks. Even so, there are still many customers who have not used mobile banking, especially Islamic mobile banking, including those from the millennial generation who should be more receptive to change and the millennial generation is more technology literate and easy to master technology. In the economic activities of the millennial generation, many transactions are online, starting from shopping on the marketplace, social media and other electronic media. This study aims to determine the factors that influence the interest of the millennial generation in using mobile banking at Islamic banks. This research is a quantitative research. The data source used is primary data. The data collection techniques used were interviews and questionnaires. Respondents in this study were the millennial generation as many as 93 people. The results of this study are that there are several factors that influence the interest of the millennial generation in using Islamic bank mobile banking, namely the factors of convenience, benefits, trust and risk. Based on the results of data analysis that has been carried out, the factors of convenience, benefits, trust and risk have an effect on the interest of the millennial generation in using mobile banking at Islamic banks both partially and simultaneously.


Introduction
The rapid advancement of computer technology in hardware, software, network systems and data communication has had a tremendous impact on electronic Islamic banking services. The development of Electronic Banking (E-Banking) has taken a big leap, bank transactions have become easy, fast and real time without any time and place restrictions. Mobile banking cannot run if it is not supported by cellphones or cellphones and the internet, everyone who has a cellphone can take advantage of this facility to make transactions anywhere and anytime while there is still an internet connection. E-banking services, especially mobile banking, meet the demands and needs of customers as an alternative medium for banking transactions, customers do not have to come to the bank or to an ATM, except for deposit and withdrawal transactions for cash. (Supriyono, 2010) The development of banking, both conventional and Islamic banks, provides and offers convenience to customers through a wide variety of operational services, including E-Banking services. E-Banking services are currently owned by all existing commercial banks including Islamic banks, the Financial Services Authority or (OJK) explains that E-banking is a service that allows bank customers to obtain information, communicate and conduct banking transactions via electronic media such as ATM, internet banking. , sms banking, mobile banking, phone banking and video banking. (Arumi & Heri Yanto, 2019) According to the Ministry of Communication and Information Technology, Indonesia's population of 250 million people and smartphone or cellphone users in Indonesia are also growing rapidly, the digital marketing research institute estimates that the number of active smartphone users in Indonesia is more than 100 million.
With such a large number, Indonesia will become the fourth largest active smartphone user country after China, India and America. (Kominfo, 2021) Report from the Association of Indonesian Internet Service Providers (APJII) in the secretary general of APJII Henri Kasyfi Soemartono in Jakarta, there are 171.17 million Indonesian internet users. When talking about age, the most internet users are Millennials, 20-24 years with 88.5 percent penetration then 25-29 years with 82.7 percent penetration in the 30-34 year group with 76.5 percent penetration and the 35-39 age group year with a penetration of 68.5 percent. (Haryanto, 2019) It turns out that the survey proves, the type of service accessed by the most users is chatting with 89.35 percent, followed by social media 87.13, then followed by Millennial generation is usually referred to as generation Y. This grouping is actually calculated from the year of birth and the millennial generation can be representative of people born in the 1981-1996 range, while those born in 1997 and above are grouped into generation Z. The character of the millennial generation is starting from a faster way of working, sharing useful information on social media. (Amira & Juliani, 2019) Another character of the millennial generation is self-confidence and thirst for attention, in this era besides computers, the internet has also become commonplace, even the millennial generation can be said that they cannot live without an internet connection. (Rahmawati, 2018) Even though there are many benefits obtained by customers, in fact, many customers who have not used mobile banking at Islamic banks are among the millennial generation who are more receptive to change and more technologically literate and easy to master technology. In the economic activities of the millennial generation, many transactions are online, starting from shopping on the marketplace, social media and other electronic media. The millennial generation is not used to doing transactions with mobile banking and even there are still many who do not understand and do not understand using the mobile banking application.
An interview conducted with one of the millennial generation or student named influencing the interest of the millennial generation in using mobile banking at Islamic banks.

Interest
Interest in the large Indonesian dictionary is defined as a tendency towards a high heart towards something. Interest is a mental device consisting of a mixture of feelings, hopes, convictions, prejudices, fears or other tendencies that lead the individual to a certain choice (Mappiare, 1982). Several factors influence interest namely: differences in employment, differences in socioeconomic, age differences, cultural factors, social factors, personal factors, and psychological factors (Hasibuan, 2008).

Convenience
Ease is the perception that ease of use means an individual's belief that the use of information technology systems will not be a hassle or require a lot of effort when used (Yani dkk., 2018). Ease of use is defined as the extent to which someone believes that using a technology will be free from effort. If someone believes that a system is easy to use then this is a belief about the decision making process (Dewi & Warmika, 2016).
Ease in terms of mobile banking is a person's belief that in using mobile banking it can be easily understood and used. Ease in terms of mobile banking is a person's belief that in using mobile banking it can be easily understood and used.
Thus, if someone uses a certain system, it will work more easily than someone who works manually.
The ease of mobile banking users means that customers find transactions via mobile banking easy to understand, if mobile banking is easy to understand then the service is easy to use and will often be used by customers. On the other hand, if mobile banking is not easy to understand, the service will not attract or attract customers to use it. If customers think that mobile banking services do not require much effort and when using these services they feel that the desired job will be easier, then mobile banking will often be used by customers as well.

Determinants Of Millenial Generations Interest In Using Mobile Banking
Sarmiana Batubara, dkk.

Benefits
Benefit is a measure whereby the use of a technology is believed to benefit the people who use it. The subjective ability of users in the future by using a specific application system will improve performance in an organizational context.
Benefits is defined as a measure by which the use of technology is believed to bring benefits to the people who use it. From the description above, we can conclude that benefits are a result that is felt and obtained from using a system (Nofitasari, 2017).
A person uses mobile banking services if that person believes that mobile banking can provide benefits to their work and their work achievements.
Customers who use mobile banking hope to get benefits, when performing their duties and routine work after using mobile banking. The measurement of the benefit is based on the frequency of use of the application being run.
Mobile banking services will be useful if they are easy to understand and are able to establish interactions with users. The use of mobile banking for customers can save time and money because customers do not have to go to the bank directly just to make transactions, because mobile banking provides 24-hour service.
Customers can make transactions anytime and anywhere as long as there is an internet network even when the bank office is closed.

Trust
Trust is the process of forming trust in and a person towards a service based on a known (cognitive) understanding of the service delivery. Consumer trust in using information technology in conducting a transaction is the first step for someone to create interest through the convenience that someone will get to carry out a transaction that will be carried out. Various company efforts to provide this trust are directly related to efforts to create customer satisfaction (Sugara & Dewantara, 2017).
Based on the above definition, it can be concluded that a customer's trust in mobile banking will be formed based on his understanding of the service. A customer's trust in mobile banking in conducting transactions can create interest through the convenience provided by the system to a customer who is making a transaction.

Risk
The definition of risk in general is the possibility of unwanted things that cause losses. Risk is defined as the chance of an unwanted outcome so risk is only associated with situations where a negative outcome is likely to arise and is related to the ability to predict a negative outcome (Basyaib, 2007).
Risk is considered as an uncertainty about the possible negative consequences of using a product or service. If the risk dominates rather than the benefits obtained, the customer will not be interested in using the product or service. Conversely, when the risk to be obtained is getting smaller, the more likely it is that customers will be attracted to use the product or service (Fullah & Candra, 2012).
Risk is something people consider ineffective to decide or not to do online transactions. It can be said that online transactions carry a high risk, because customers cannot make face-to-face transactions and they also cannot confirm whether the transactions they have done have been processed in a timely manner or not. Before using mobile banking services, customers must have considered various possible risks.

Mobile Banking
Mobile banking is a facility from banks, both conventional and Islamic

Islamic banking
Sharia banking is everything concerning Islamic banks and sharia business units, including institutions, business activities, and methods and processes for carrying out their business activities. Islamic banks have the function of collecting funds from the public in the form of deposits and investments from the owner of the funds. Another function is to channel funds to other parties who need funds in the form of buying and selling or business cooperation. Islamic banks do not charge interest and do not pay interest to customers, the benefits received by Islamic banks and those paid to customers depend on the contract and agreement between the customer and the bank (Ismail, 2013).

Millennial Generation
Millennial generation is usually referred to as generation Y. This grouping is actually calculated from the year of birth and the millennial generation can be representative of people born in the 1981-1996 range, while those born in 1997 and above are grouped into generation Z. The character of the millennial generation is starting from a faster way of working, sharing useful information on social media.
Another characteristic of the millennial generation is self-confidence and thirst for attention. In this era, besides computers have mushroomed, the internet has also become commonplace, even the millennial generation can be said that they cannot live without an internet connection (Amira & Juliani, 2019).    (2019) Sampling is done with the consideration that the existing population is very large in number, so it is not possible to study the entire population. To find out the sample to be studied in this study, the researcher used the Slovin formula or method with an error rate of 10%, the samples in this study were: So the sample in this study was 92.54 respondents and was fulfilled to be 93 respondents.
Where : n = sample size N = population size e = error received 10% (0,1) The sampling technique in this study is to use probability sampling techniques.
Probability sampling is a sampling technique that provides equal opportunities for each element (member) of the population to be selected as members of the sample.
The sampling method in this study used stratified sampling. Stratified sampling is used when in the population there are groups of subjects from one group to another, it appears that there are strata or levels (Arikunto, 2003).
Sampling in this study using a formula: ni . n Where: Sources of research data can be classified into primary and secondary data sources, without any intermediaries. In this study, the data source used was primary data. Primary data is data that is directly obtained from the first data source at the research location or research object. Secondary data is primary data that has been further processed and has been presented by other parties, for example in the form of tables or in the form of diagrams (Bungin, 2006).

Determinants Of Millenial Generations
The data collection methods in this research are interviews and questionnaires, then after the data is collected, data analysis will be carried out using SPSS version 23.

Discussion
This study aims to analyze the determinants of millennial generation's interest in using mobile banking at Islamic banks. To achieve this goal, various data tests were carried out on the data obtained from the field. The data analysis used is the validity test, reliability test, normality test, classical assumption test, multiple linear regression analysis, the coefficient of determination and hypothesis testing.

Validity Test Results
The validity test is done by comparing the rcount value with the rtable value. Where rtabel is sought at a significance of 10% or 0.10 with degrees of freedom (df) = n-2, so df = 93-2 = 91. If rcount> rtable and the value of r is positive, the statement item is said to be valid.

Reliability Test Results
The results of the reliability test of five variables that have been tested in the validity test, namely the convenience, benefits, trust, risk, and interest of the millinel generation, can be seen in the following tables: is reliable. So it can be concluded that the variables in this study are reliable. ,200 c a. Test distribution is Normal. b. Calculated from data. c. Lilliefors Significance Correction. Based on the table above, the sig. > 0.10, then the significant value from the table above is 0.200> 0.10, which means that the Kolmograv Smirnov test is said to be normal.

a. Multicollinearity Test Results
A regression model is declared free of multicollinearity if the Variance Inflation Factor VIF <10 and the Tolerance value> 0.10. Based on the table above, it can be seen that the tolerance value of the convenience variable is 0.488> 0.10, the benefit variable is 0.582> 0.10, the trust variable is 0.674> 0.10, and the risk variable is 0.967> 0.10, it can be concluded that the value tolerance of the four variables above is greater than 0.10 (tolerance> 0.10) so that it is free from multicollinearity.
Furthermore, based on the VIF value of the convenience variable is 2.048 <10, the benefit variable is 1.718 <10, the trust variable is 1.483 <10 and the risk variable is 1.034 <10. So it can be concluded that the VIF value of the three variables above is smaller than 10 (VIF value <10) so that it is free from multicollinearity.

Picture 2 Heteroscedasticity Test Results
Based on the figure in Figure IV.1 above, it can be seen that the dots do not form a certain pattern. The dots spread above and below the 0 on the Y axis. So it can be concluded that the regression model is free from heteroscedasticity.      Based on the results of the regression analysis carried out in this study, it is known that:

b. F Test Results
1. Partially ease has an effect on the interest of the millennial generation in using mobile banking, seen from the value of tcount> ttable (6.307> 1.291).
Based on the results of the analysis above, it is known that the ease of influencing the interest of the millennial generation in using mobile banking at Islamic banks partially 2. Partially the benefits affect the interest of the millennial generation in using mobile banking, seen from the value of tcount> ttable (3.462> 1.291).
Based on the results of the analysis above, it is known that the benefits influence the interest of the millennial generation in using mobile banking at Islamic banks partially.
3. Partially, trust affects the interest of the millennial generation in using mobile banking, as seen from the value of tcount> ttable (1.949> 1.291).
Based on the results of the analysis, it is known that trust affects the interest of the millennial generation in using mobile banking at Islamic banks partially. 4. Partially the risk affects the interest of the millennial generation in using mobile banking, seen from the value of tcount> ttable (1,897> 1,291)..
Based on the results of the analysis, it is known that risks affect the interest of the millennial generation in using mobile banking at Islamic banks partially.

5.
Simultaneously the variables of ease, benefit, trust and risk have an influence on the interest of the millennial generation in using mobile banking which can be seen with the value of Fcount> Ftable (49.087> 2.01).
6. The coefficient of determination of the ease, benefits, trust and risk of the millennial generation's interest in using mobile banking is 69.1%, while the remaining 31.9% is influenced by other variables not discussed in this study.
Furthermore, the results of the heteroscedasticity test show that the scatterplot points of regression do not form a certain pattern such as spreading above and below the number 0 on the Y axis, so it is stated that this regression model does not occur heteroscedasticity.
From the explanation above, it can be seen that the variables of convenience, benefits, trust and risk are factors that influence the interest of the millennial generation in using mobile banking, which means that the easier, more useful, trusting and lower risk the millennial generation has towards mobile banking will increase the interest of the millennial generation in using mobile. banking on Islamic banks.

Conclusion
Based on the results in this study, there are several factors that influence the interest of the millennial generation in using mobile banking, namely the factors of convenience, benefits, trust and risk. Based on the results of data analysis that has been carried out, the factors of convenience, benefits, trust and risk affect the interest of the millennial generation in using mobile banking at Islamic banks both partially and simultaneously.