FACTORS AFFECTING INTENTION TO USE ?SAKUKU? E-MONEY OF GENERATION Y IN INDONESIA

摘要

To succeed in the retail banking business, the bank must continue to innovate and apply the latest technologies into their business to meet the various needs of customers. Generation Y (Gen Y) is a very potential market segments, especially with the latest technology that are already phenomenal, so-called e-money or electronic money with a smartphone device. This study was conducted to evaluate the factors that affect on intention to use Sakuku e-money of Gen Y. Based on the Technology Acceptance Model, and previous research journals, we propose a model research with five direct and indirect factors that affect on intention to use Sakuku e-money of generation Y. This research was conducted in Indonesian territory involving 100 respondents aged 16 s / d 35 years, have a smartphone and non Sakuku users. The data collection is done by distributing a questionnaire containing 26 questions with Likert scale of 1 - 5. The data was analyzed by SEM-based PLS. After analyzing the data collected from our survey, we showed five significant factors, and two of them have the most powerful affect to increase intention to use Sakuku e-money of the Y generation in Indonesia. According to these findings, we propose some strategy on how the bank to increase the number of Sakuku e-money users of the Gen Y in Indonesia.