Generation Y's Behavior Intention in Using Mobile Banking Application

Mobile Banking (M-Banking) is an application of Information Communication and Technology and banking area to improve the service in term of rapidness, security, and simplicity. Many of banking companies have been run this technology to improve their performance to assist customers. The paper aims to discover how the Generation Y’s behavior in using M-Banking for various banking purposes. Theory of Planned Behavior was applied as the underpinning theory and model to explain the attitude, subjective norms, and perceived behavioral control towards the behavioral intention. A total of 300 citizens from Medan, Indonesia with different age range, occupation, and education level were selected as the respondent and Multiple Regression Analysis is employed as the data technique analysis. The result pointed out that all of the independent variables are influencing the dependent variable. Attitude is the most dominant factor in impacting the behavioral intention. As the conclusion, the study claimed that Theory of Planned Behavior is the proper theory to explain the behavioral intention in using M-Banking.