Exploring e-mobile banking implementation barriers on Indonesian millennial generation consumers
Bibliographic record
Abstract
The purpose of this study was to determine the effect of value barriers, risk barriers, image barriers, cost barriers and usage barriers on the use of mobile banking in millennial generation customers. This research used a quantitative approach and the sampling technique used is purposive sampling which conducts research on a group of subjects with certain characteristics or is considered closely related to previously known population characteristics. This research was conducted by distributing 140 online questionnaires to mobile banking users and there were 110 questionnaires that were reversed and processed. Sampling methods use snowball sampling. The results indicate that there was a positive but not significant effect between risk barriers and mobile banking adoption intentions. However, there was a negative influence between image barriers and mobile banking adoption intentions. Moreover, there was a positive influence between perceived cost barriers and mobile banking adoption intentions, there was a positive influence between the barriers to use and mobile banking adoption the intention to adopt. Finally, there was a significant influence between value barriers and mobile banking adoption intentions.
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How this classification was reachedexpand
Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.003 | 0.001 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.000 | 0.001 |
| Science and technology studies | 0.000 | 0.000 |
| Scholarly communication | 0.000 | 0.002 |
| Open science | 0.001 | 0.000 |
| Research integrity | 0.000 | 0.000 |
| Insufficient payload (model declined to judge) | 0.000 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one teacher head, not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".