Comparison of the Use of M-Banking Apps for BRImo with Regard to Generation Z and Generation Millennial

Abstract

The purpose of this research is to analyze the differences in how Generation Z and Generation Millennial perceive BRImo in terms of perceived ease of use and perceived usefulness. Perceived ease of use consists of six indicators: easy to understand, controllable, understandable, flexible, skilled, and simple to use. Meanwhile, perceived usefulness includes speeding up work, improving performance, increasing productivity, effectiveness, making work easier, and utility. This research employs a quantitative approach using a purposive sampling technique, with 150 BRImo users as respondents. Data was collected through a g-form questionnaire, and the perceived ease of use and perceived usefulness variables were analyzed using the Mann-Whitney U test, a non-parametric statistical method. The results indicate significant differences between Generation Z and Millennials in using BRImo. Generation Z adapts more easily to digital services, while Millennials tend to be more cautious. Statistical analysis confirms these differences, with asymptotic significance values of 0.005 for perceived usefulness and 0.001 for perceived ease of use. This research provides valuable insights into how Generation Z and Millennials perceive m-banking, benefiting banks, fintech developers, and academics in enhancing user experience and optimizing digital financial services to meet generational preferences.