Comparative Analysis of Perceived Ease of Use and Perceived Security Level in Usage Decision E-Banking in the Millennial Generation

Mobile Banking in life in the Digital 5.0 Era is now very commonly used, including by the Millennial Generation. Perceived ease of use and perceived security levels determine the decision-making using mobile banking in the millennial generation. This study aims to compare the decision to use e-banking and whether there is a difference between the perceived ease of use and perceived security level in the millennial generation. Sampling was done by purposive sampling method. Respondents are consumers of the millennial generation. Data analysis was performed using an independent t-test. The study results show a significant difference of 46.62% between perceived ease of use and perceived security level in deciding to use e-banking in the millennial generation.

Keywords: Perceived Ease of Use; Perceived Security Level; Usage Decision, Experience