Ahmed M. Mutahar

Millennials have a lifestyle that is different from previous generations. Millennial Generation lives and grows together with rapid technological growth and currently dominates the population in Indonesia. The purpose of this study is to empirically determine the factors that influence the millennial generation’s loyalty to mobile banking applications. Elements used to analyze the millennial generation’s loyalty are corporate image, application security, word of mouth (WoM), and trust. Data collected through questionnaires from a sample of 395mobile banking users in Indonesia. The study uses structural equation modeling (SEM) to test the hypotheses with Amos 24 as the analysis tool. The results of the study proved that all predictions are proven significant. The trust in mobile banking mediates the effects of corporate image, application security, and word of mouth on millennial’s loyalty. The respondent of the research was millennial mobile banking users in Indonesia. Therefore, the model should be replicated among other mobile banking users in other countries. Banks have to maintain an excellent corporate image and get a positive transmission because, in this digitalization era, information can spread very quickly between friends, relatives, family, or through the internet, digital media, and social media. Banking also needs to include a guaranteed level of application security in the mobile banking application provided to gain the trust of users and be able to foster and increase their loyalty. However, there are still other factors that can influence millennial’s loyalty to a mobile banking application.

Purpose: Online learning has evolved into a necessary means of learning because of its capability to enhance the education quality with minimum resources and infrastructure. Nevertheless, while academics have studied the espousal and use of online learning in various settings, the effect of compatibility and transformational leadership (TL) still remains to be seen, with regards to the Yemeni context. The purpose of this paper is to forward the Delone and Mclean Information System (IS) success Model by integrating compatibility and TL constructs as precursors to user contentment and actual use for estimating performance of students. Design/methodology/approach: The questionnaire technique was utilised for gathering primary data from 448 students in nine state-funded Yemeni universities. The six variables in the recommended framework were gauged utilising current scales. Data analysis was done by deploying structural equation modelling through SmartPLS 3.0. Findings: The outcomes encompassed three key results: overall quality (data, system and service quality), compatibility and TL have a favourable effect on user satisfaction and actual use; actual use considerably estimates user satisfaction; and user satisfaction and actual use have a favourable effect on performance of students. Research limitations/implications: Because the research populace comprised students from nine state-funded universities, it did not include administrative and academic staff. Furthermore, as the study was cross-sectional, it studied the variables at a single point of time. Attaining experience in utilising online learning would transform the convictions of students, and this cannot be traced through a cross-sectional scrutiny. Moreover, the research relies upon self-testified measures for ascertaining the recommended research model. The reason behind this is that obtaining objective information regarding performance was not likely because of the privacy concern. Practical implications: Despite the fact that Yemen is a low-income emerging nation with inadequate resources (World Development Indicators, 2017), it can capitalise on online-based learning that provides the advantage of excellent education and that too with limited supplies (Dokhan and Akkoyunlu, 2016; Yang et al., 2016). Additionally, online learning can enhance administration and communication, empower learning anywhere and anytime, and endorse fairness of education. Originality/value: This study supplements the existing studies on information systems by blending overall quality, compatibility, TL, actual use and client satisfaction for estimating the effect of online learning among students from nine state-funded Yemeni universities. Moreover, the recommended model’s predictive prowess has a higher capability to elucidate and estimate the performance effect as against those acquired from few of the previous studies.