IJLTEMAS International Journal of Latest Technology in Engineering, Management & Applied Science (IJLTEMAS) IJLTEMAS 2278-2540 IJLTEMAS 221 10.51583/IJLTEMAS.2026.150800029 Growth Use of Mobile Banking By Millennials in A Specific Non-Metro Area Kumar Ganguly Ajay Ph.D Research Scholar, Department of Management, University of Engineering and Management, Kolkata, India. India Chattopadhyay Subrata Professor, Department of Management, University of Engineering and Management, Kolkata, India India 15 8 425 437 27 08 2026 01 09 2026 05 09 2026 Reliability Perceived ease of Use Perceived Usefulness Behavioural Intention Consumer Satisfaction Abstract

The rapid growth and widespread acceptance of digital applications have encouraged organisations, particularly the banking sector, and consumers alike to embrace diverse technology-enabled channels for communication and financial transactions. Among the most significant developments is smartphone-oriented, Android-based mobile banking (m-Banking). This study investigates the challenges and determinants of m-Banking adoption among millennials, with particular emphasis on Generation Z within a defined non-metro area. Although extensive research has examined m-Banking through various theoretical models, limited attention has been devoted to understanding its influence on millennial satisfaction, particularly among Generation Z in non-metro contexts. Addressing this research gap, the study examines three key independent constructs—Reliability, Perceived Ease of Use, and Perceived Usefulness—alongside Behavioural Intention as an intervening construct and Consumer Satisfaction as the dependent construct. The findings demonstrate satisfactory covariance and statistically significant relationships at the 99% confidence level, supporting all proposed hypotheses and revealing a strong inclination among Generation Z towards app-based digital banking.

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