Factor Analysis of Sharia Mobile Banking Using the Utaut2 Model in Millenial Generations

The rapid development of technology has had an impact on a variety fields, one which is banking. All banks compete in making services digitally. Shariah Bank provides mobile banking app for use by millennial-dominated customers. aim this research to identify the factors that influence millennials sharia using UTAUT2 model. This quantitative research, where instrument questionnaire with Google Form obtain primary data from respondents. population study Jabodetabek region; number samples used was as high 200 sampling method non-probability purposive sampling. analytical PLS-SEM. results show performance expectancy, social influence, facilitating condition, price value, and habit behavioral intention. Use behavior influenced conditions, habits, intentions. conclusion it proved construction UTAUT2, consisting effort hedonic motivation, habit, important roles determining intentions attitudes use.