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.

The aim of this study is to analyze the effect of e-service quality, consumer trust and social media marketing on intention to use online transportation services. The method used in this research is quantitative methods, data collection is executed by distributing questionnaires to consumers of Online Transportation Services. The population of this study is the Jabodetabek Online Transportation Services consumers whose numbers have not been identified with certainty. The questionnaire was distributed electronically using a simple random sampling technique. The results of the questionnaire returned were 180 respondents. Based on the results of data analysis, it is concluded that E-Service Quality has a significant effect on Intention to Use Online Transportation Services. Consumer Trust has no effect on Intention to Use Online Transportation Services. Social Media Marketing has a significant effect on Intention to Use Online Transportation Services.