Abstract:
The purpose of this study was to examine the factors that influence the
decision of the millennial and z generation in choosing bank BCA for
saving. This study uses a quantitative approach, and the variables used in
this study are attitude toward behavior, subjective norms, perceived
behavior control, perceived service quality, perceived credibility and
reliability, perceived accessibility, perceived promotion, and perceived
technology as the independent variables, intention to saving as the
mediating variable, and customer decision as dependent variable. The data
collected is primary data obtained from questionnaires. The sample in this
study were 380 millennial and z generation people who have registered as
bank BCA customers, using a purposive sampling technique. The data
analysis technique used is the SEM (Structural Equation Modeling)
analysis method with the help of the SmartPLS 4 data processing program.
The results of this study indicate that attitude toward behavior, subjective
norm, perceived behavior control, perceived credibility and reliability,
perceived accessibility, and perceived promotion have a significant
influence on the intention to saving. And intention to saving also has a
significant influence on customer decisions. While perceived service
quality and perceived technology do not have a significant influence on
the intention to saving. From this research, it paves the way for further
researcher to be able to test other variables such as bank interest rates, and
bank admin fee that can influence customer decisions to save at Bank
BCA.
